Duofolios

1 CAD = ₹67.75

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Everything Duofolios does.

One free app for the money you have in Canada and India. Here’s what it does today, and what we’re building next.

See everything in one place.

Your Canadian and Indian accounts, assets and loans, added up into one number.

  • Every account, both countries

    Chequing to PPF, TFSA to NRE. Your accounts in Canada and India, side by side.

  • FCNR, property, US stocks and more

    More than 40 kinds of accounts, including US-dollar ones.

  • Loans and credit cards

    Education loans, mortgages, home loans and cards, counted honestly. Net worth can start below zero.

Watch it grow.

Every balance you save becomes a point on your chart, for each country or both together.

  • Your net worth over time

    Every update is kept, so you can watch your net worth grow, for each country or together.

  • Fill in the past

    Add earlier balances and your chart starts from years ago, not from today.

  • Update in seconds

    Tap an account to change its balance. Accounts you haven’t updated in a while are flagged.

  • Close an account, keep its history

    A matured FD or a paid-off loan stops counting, but stays in your chart.

Numbers the way you count.

Lakhs or millions, rupees or dollars. Pick what feels natural, for every amount in the app.

  • Rupees, dollars or US dollars

    Switch your whole net worth between CAD, INR and USD. Each account still shows its own currency.

  • Lakhs and crores, or millions

    Rupees the way you count them, dollars in lakhs if you like, and short figures like ₹12.4 L.

  • Hide amounts in one tap

    Check your accounts on the bus without the person next to you seeing a thing.

  • An exchange rate you can trust

    Today’s rate with the date it was published, or the rate your bank gave you.

Private by design.

Your numbers never leave your device. With App Lock on, nobody can read them but you.

  • Stays on your device

    No sign-up and no bank passwords. Your numbers are saved on your phone or computer, not on a server.

  • Face ID, Touch ID or PIN

    Duofolios asks for your face, finger or PIN when it opens, and locks itself when you leave.

  • Encrypted on your device

    With App Lock on, everything is encrypted with a key only you can unlock, plus a recovery code in case you forget.

  • Backups you control

    Password-protected backup files, spreadsheet exports, and “delete everything” when you want a clean slate.

Works wherever you are.

On your phone, on your laptop, even with no signal.

  • Phone or computer

    Open it in any browser, or add it to your Home Screen and it opens like an app.

  • Works offline

    No signal on the flight home? Your numbers are still there.

  • Try it with a sample family

    Explore a full example before you add a single number of your own.

Coming next.

What we’re building now, and what you can ask us to build first.

Being built now

  • FDs and GICs that update themselves

    Enter the amount, rate and dates once. Duofolios grows the value daily and knows when it matures.

  • Mutual funds at today’s NAV

    Enter your units and every Indian fund is valued at the latest NAV, without linking any account.

  • Gold by the gram or tola

    Enter the weight and purity of your jewellery, and its value follows the gold price.

  • T1135 tracker

    See how close your Indian assets are to the $100,000 T1135 threshold, all year round.

  • What the rupee did to your money

    See how much of your change came from CAD⇄INR moving, and how much from real growth.

  • Maturity and KYC reminders

    FD maturities, bank KYC updates and OCI or PR card renewals, added to your calendar.

Tell us what to build first

  • Tax Compliance

    Everything for filing in two countries.

    • NRO TDS refund estimate
    • Income split across India’s April–March and Canada’s calendar tax years
    • Foreign tax credit helper
    • Days-in-India residency tracker
    • T1135 filing helper
    • Year-end tax pack for your accountant
    I want this

  • Cloud sync

    Your data on every device, end-to-end encrypted so even we can’t read it. The one paid option.

    I want this

  • Statement import

    Drop in a CAMS or NSDL statement, or a Wealthsimple or Questrade export, and it’s read on your device.

    I want this

  • Family view

    Your spouse’s and your parents’ accounts, together or separately, with nominees noted.

    I want this

  • Contribution room

    TFSA room counted from the year you arrived, plus RRSP and FHSA.

    I want this

  • Live stock and ETF prices

    NSE, BSE, TSX and US prices for your shares.

    I want this

  • Money transfer tracker

    What your transfers home really cost, and which money can go back.

    I want this

  • Retire where?

    Plan retirement or FIRE in Canada, India, or a bit of both.

    I want this

Every account type, by country.

43 kinds of accounts, each with a one-line explainer.

🇨🇦 Canada

Everyday banking

  • Chequing Your day-to-day account at any Canadian bank.
  • Savings / HISA High-interest savings, including online banks.
  • US-dollar account USD savings or chequing at a Canadian bank, tracked in US dollars.

Registered accounts

  • TFSA Tax-Free Savings Account. Growth and withdrawals are tax-free in Canada. Your room starts the year you became a resident.
  • RRSP Registered Retirement Savings Plan. Contributions lower your taxable income now; you pay tax when you withdraw.
  • FHSA First Home Savings Account. Up to $8,000 a year toward your first home in Canada, tax-free.
  • RESP Registered Education Savings Plan. Saves for a child’s education, and the government adds grants.
  • LIRA Locked-In Retirement Account. Pension money moved over from a former employer.
  • Group RRSP / DPSP Workplace retirement plans, often with an employer match.
  • Employer pension A defined benefit or defined contribution plan from work.

Investing

  • Brokerage account Non-registered (taxable) investing at any broker.
  • GIC Guaranteed Investment Certificate. Canada’s version of a fixed deposit: a set rate for a set term.
  • Employer stock Shares you hold in the company you work for.
  • RSUs / ESPP Stock units that vest, or shares bought at a discount through work.
  • US stocks US-listed stocks and ETFs, tracked in US dollars.
  • Crypto Coins in an exchange or wallet.
  • Gold Bullion or gold ETFs held in Canada.

Property and loans

  • Home in Canada Your home or a rental property, at today’s value.
  • Mortgage Counted against your home, so your net worth stays honest.
  • Credit cards Balances you owe, subtracted from your net worth.
  • Student loan OSAP and Canada Student Loans.
  • Car loan or line of credit Any other money you owe in Canada.

🇮🇳 India

NRI banking

  • NRE savings Non-Resident External. Holds money you earned abroad, in rupees. Fully repatriable, and the interest is tax-free in India.
  • NRO savings Non-Resident Ordinary. For income earned in India, like rent or dividends. The interest is taxed in India.
  • Resident savings A regular Indian savings account. Once you become an NRI, it should be converted to an NRO account.
  • Current account An Indian current account, usually for business.

Deposits

  • Fixed deposit A set rate for a set term at an Indian bank.
  • NRE FD A fixed deposit funded from abroad. Repatriable, with tax-free interest in India.
  • NRO FD A fixed deposit from income earned in India. Interest is taxed in India.
  • FCNR deposit A fixed deposit held in dollars instead of rupees, so exchange-rate swings don’t touch it.
  • Recurring deposit A fixed monthly deposit that earns FD-style interest.

Savings schemes and retirement

  • PPF Public Provident Fund. A 15-year government savings scheme. NRIs can keep an existing PPF until it matures.
  • EPF Employees’ Provident Fund. Retirement savings from a job in India.
  • NPS National Pension System. Market-linked retirement savings that NRIs can contribute to.
  • NSC National Savings Certificate. A five-year post office savings certificate.
  • Sovereign Gold Bonds Government bonds priced in grams of gold, paying 2.5% interest a year.

Investing

  • Mutual funds Indian mutual funds, direct or regular plans.
  • Stocks Shares in your demat account.
  • Gold Gold ETFs, digital gold, or coins.
  • LIC / ULIP Endowment or unit-linked policies, at their surrender or fund value.

Property and loans

  • Property in India A flat, house or plot back home, at today’s value.
  • Home loan Counted against your property in India.
  • Education loan The loan that brought you to Canada. Watch it shrink.
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