Different Philosophies
INDmoney: Aggregates data by linking your email, bank accounts, and broker accounts. Convenient but requires significant access to your financial data.
RupeeTracker: Manual entry — you tell us what you own. We never access your bank, broker, or email accounts. More private, slightly more effort.
Privacy Comparison
- INDmoney: Reads your emails to detect investments, requires SMS permissions, links bank accounts
- RupeeTracker: Zero access to emails, SMS, or bank accounts. All data is AES-256-GCM encrypted. Only you can see your investments.
When to Choose RupeeTracker
If privacy is important to you and you don't want to link bank/email accounts to a third-party app, RupeeTracker is the better choice. Manual entry takes 1–2 minutes per investment.
Feature Comparison
| Feature | RupeeTracker | INDmoney |
|---|---|---|
| FD / RD tracking | ✅ Yes — all banks | ⚠️ Limited (auto-fetch) |
| Account linking required | ❌ Never | ✅ Email, SMS, bank accounts |
| Data encryption | ✅ AES-256-GCM field-level | Standard TLS |
| Stocks (NSE/BSE) | ✅ Live prices | ✅ Yes |
| Mutual funds | ✅ All AMFI schemes | ✅ Yes |
| Portfolio health score | ✅ 0–100 | ❌ No |
| Maturity calendar | ✅ Yes | ❌ No |
| ECAS import | ✅ Pro feature | Auto-fetch only |
| SMS reading | ❌ Never | ✅ Required for some features |
| Free plan | ✅ Up to 15 investments | ✅ Yes |
Frequently Asked Questions
INDmoney is a SEBI-registered entity with standard security. However, it requires linking your email and bank accounts to auto-fetch investments, which means it has access to sensitive financial data. RupeeTracker never accesses your email, SMS, or bank accounts — all data is manually entered and encrypted with AES-256-GCM.
No. RupeeTracker uses manual entry — you tell us what you own. This is more private but requires a few minutes per investment. You can use ECAS import (Pro) to bulk-import mutual fund holdings.
INDmoney has limited FD tracking through bank account linking. RupeeTracker tracks FDs from any bank with full maturity calculations, quarterly compounding, and a maturity calendar — without requiring bank account access.
Track privately
No account linking. No email access. AES-256 encrypted.
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