Ekam vs ET Money
ET Money is a mf investing + tracker. Ekam is the household ledger — every account and asset class in one honest number, built from statements you already have. Here's how they actually differ — and where ET Money is the better tool.
A broker-agnostic personal-wealth aggregator built on statements you already have — no broker login — folding equity, mutual funds, US stocks, EPF, FDs, bonds and cash into a single net worth, with advisor-grade analytics on top and nothing to sell you.
A consumer wealth app to invest in direct mutual funds and other products, with free CAS-based external MF tracking, lifetime XIRR and a 100+ parameter portfolio health score.
ET Money is great for buying and grading mutual funds; Ekam is the neutral cockpit for the whole portfolio around them.
Where Ekam fits better
- A genuine all-asset net worth (equity + US + EPF + FD + cash), not an MF-centric view.
- Portfolio risk analytics — stress test, liquidity ladder, concentration — beyond a fund health score.
- No product to sell you: Ekam observes, it doesn't nudge you to redeem or invest.
- No broker login and self-hostable; ET Money is an investing account.
Where ET Money is stronger
- Free, instant external MF tracking via CAS with lifetime XIRR.
- One-tap investing in direct MFs and a broad product shelf.
- Strong fund-suitability scoring for MF-first investors.
Ekam vs ET Money, line by line
| Capability | Ekam | ET Money |
|---|---|---|
| Coverage & imports | ||
| Unified net worth | ● | ◐ |
| Equity & ETF auto-import | ● | ◐ |
| Mutual funds | ● | ● |
| US / foreign stocks | ◐ | ○ |
| EPF / PF / NPS | ◐ | ◐ |
| FDs, bonds & debt | ● | ◐ |
| Broker-agnostic | ◐ | ◐ |
| Multi-account / family | ● | ◐ |
| Analytics & insight | ||
| XIRR / true returns | ● | ● |
| Capital-gains / tax | ◐ | ● |
| Advisor-grade analytics | ● | ◐ |
| Per-holding status & alerts | ● | ◐ |
| Screeners & research | ○ | ◐ |
| Options analytics | ○ | ○ |
| Posture & trust | ||
| Trade execution | ○ | ● |
| Independent (no ads / no product push) | ● | ○ |
| Privacy posture | ● | ◐ |
| Works without a live session | ● | ○ |
Two plans, no add-ons, and no trial — Individual is free forever, not a runway: one net worth across every Indian asset class for one person, with unlimited accounts, imports, holdings, XIRR, end-of-day prices, in-app alerts and the whole Indian tax year (realised gains, the estimate and harvesting room), plus 12 months of rolling history and 2 open goals. Family (₹3,999 a year + GST) covers six people under one roll-up with a per-member view, and folds in the Wealth Lab — stress test, liquidity ladder, tax drag, real return, fund-rating changes — plus foreign assets and accounts, the tax year per member, the Sunday email digest, and unlimited history and goals; people beyond six are ₹399 + GST each a year (introductory, ₹499 later) on the same invoice, up to 12. Prices exclude GST. Billing is not open yet: accounts opened before it starts keep a founding price of ₹2,499 + GST a year for as long as they stay subscribed. Schedule FA/Form 67, PDF reports, an estate register and a CA share link are described as on the way, not sold. A Wealth Advisor tier (₹9,999/yr reference price) for CAs, RIAs and family offices managing several clients' books is on the roadmap, not yet built or sold.
Free to download; direct MFs carry no commission. A paid advisory plan is referenced but its price/scope is unverified.
Sources & methodology
Capabilities were compiled from ET Money's own pages and reputable reviews (checked June 2026). Indian fintech features and pricing change frequently and are often promo-driven; treat figures as point-in-time. "Partial" marks a real but narrower capability or one we could not fully verify — hover any dotted mark above for the specific caveat.
See your real net worth in one place
Ad-free, and nothing to sell you. Bring ET Money along — Ekam sits above it, not against it.
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