Privacy-First INDmoney Alternative
Track your net worth, stocks, mutual funds, and loans manually. No Gmail scraping, no bank account linking, and absolutely no data sharing.
Feature Comparison Matrix
| Feature / Parameter | INDmoney | TrackMyRupee |
|---|---|---|
|
SMS Permission Required
App requests read access to your mobile text messages.
|
— | No (100% Private) |
|
Gmail & Bank Credentials Access
Scrapes emails or bank logs to aggregate portfolios automatically.
|
Yes (Invasive) | No (Zero Access) |
|
Ad-Free Experience
No popups, credit card ads, loan banners, or cross-selling.
|
No | Yes |
|
Open Source Codebase
Code transparency to verify how your data is handled.
|
No (Closed Source) | Yes |
|
Subscription-Funded Business
Your personal data is not farmed or sold to advertisers.
|
No | Yes |
|
100% Data Sovereignty
Free, single-click CSV data export anytime.
|
Restricted | Yes |
|
Precision Net Worth Tracking
Aggregates mutual funds, stocks, FDs, PPF, and loans.
|
Yes (Auto) | Yes (Manual) |
|
AI-Powered Budget Insights
Identifies spending leaks and categorizes trends.
|
Basic | Yes |
The Gmail Scraping & Bank Account Access Concern
INDmoney tracks your mutual funds, stock investments, and bank balances by linking to your Gmail account to scan CAS statements and trade notifications, or by using direct credentials via aggregators. This gives them deep access to your inbox and financial credentials. Many privacy-conscious users find this level of data aggregation highly intrusive and risky.
Manual Net Worth & Investment Tracking
TrackMyRupee offers a unified net worth tracker where you can safely log your assets (savings, FDs, mutual funds, PPF) and liabilities (credit cards, loans) manually. You get a beautiful, aggregated net worth number and historical trajectory without exposing your email passwords, investment portfolios, or bank login details to external scrapers.
Why Switch to TrackMyRupee?
-
3-Second Rapid Logging
Just type what you spent. Our natural language processing engine automatically extracts the amount, categorizes the expense, and logs it instantly.
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Double-Entry Ledger
Bank-grade data integrity. Every rupee is balanced between accounts, preventing records from drifting out of sync. Fully reconcilable.
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Unified Net Worth Dashboard
Monitor your mutual funds, stock values, fixed deposits, and loans manually in a single view. Real-time net worth calculation and trend charts.
Frequently Asked Questions
Q: How does TrackMyRupee compare to INDmoney for wealth tracking?
INDmoney automatically tracks wealth by scanning your emails and linking your accounts. TrackMyRupee lets you log and track your mutual funds, stocks, fixed deposits, and loans manually. You get identical net worth analytics and historical trends, but with 100% data privacy.
Q: Do I need to link my Gmail to track my mutual funds?
No. TrackMyRupee will never ask for Gmail access. You can update your mutual fund and asset balances manually at your own pace (e.g., once a month) to keep your net worth dashboard updated.
Q: Is my data secure on TrackMyRupee?
Extremely secure. All data is encrypted in transit using HTTPS and at rest using bank-grade AES-256 encryption. Best of all, TrackMyRupee is fully open source on GitHub, meaning our codebase is fully transparent and verified by the community.
Ready for a cleaner budgeting experience?
Join thousands of privacy-conscious Indian professionals tracking their salaries securely and ad-free.