Your TFSA and your PPF. Your RRSP and your NRE. See everything you own in both countries, in rupees, dollars or both, without handing anyone your bank password.
No sign-up, and your data stays on your device.
Total net worth
Total
₹1,24,50,050
At 1 CAD = ₹67.75
A bank app here, NetBanking there, a PPF passbook in a cupboard in India and a spreadsheet nobody has opened since March. Duofolios puts every account in its place, on both sides, in one list.
Total $98,200
Total ₹57,97,000
43 kinds of accounts, from chequing to PPF. Not sure what one is? Tap it for a one-line explainer.
Tap an account to see what it is.
Tap an account to see what it is.
No forms to fill in, no account to create. Open the app and you’re already in.
Canada or India. That becomes your main currency; the other country is your second.
TFSA, NRE, PPF and the rest. Add a balance for each, with the bank’s name if you like.
In rupees or in dollars, with each account still in its own currency. Switch any time.
Try it: switch between CAD and INR.
Total net worth
₹1,24,50,050
1 CAD = ₹67.75 (last known rate)
Sample data. Your real numbers never leave your device.
Track the GIC from your study permit, your first chequing account and the NRE account your parents helped open, in one place. Add the education loan too, and watch it shrink.
Good to know
Your TFSA room starts the year you became a resident of Canada, not 2009. Putting in more than your room costs 1% a month.
See your TFSA and RRSP grow next to the NRE savings you send home. Every transfer changes both sides, and Duofolios shows the whole picture in rupees or dollars.
Good to know
Money you send from Canada goes into your NRE account. Income earned in India, like rent, goes into NRO.
Your FHSA, the fixed deposit in Pune and the PPF you started years ago, in one net worth. Know what you could put toward a down payment without logging in to five apps.
Good to know
An FHSA lets you put up to $8,000 a year toward your first home. Contributions are tax-deductible, and withdrawals for the home are tax-free.
RRSP and RESP here, a flat and your parents’ FDs back home. Duofolios keeps it together, and the T1135 tracker coming next will watch the $100,000 line for you.
Good to know
If your assets outside Canada cost more than $100,000 at any point in the year, you probably need to file Form T1135. Check in 30 seconds
Most money apps start by asking for your bank login. Duofolios never does. Your numbers live on your own device, and we don’t run a server that could see them.
There’s no account to create, so there’s nothing of yours to leak.
You type your balances. Nothing is linked to your bank.
Your numbers are saved in your browser, on your own phone or computer.
The app asks for today’s CAD⇄INR rate. That request carries none of your data.
Face ID, Touch ID or a PIN, every time Duofolios opens.
With App Lock on, your data is encrypted with a key only your face, finger or PIN can unlock.
If you live in Canada and what you own outside Canada cost more than $100,000 at any point in the year, the CRA expects Form T1135 with your tax return. That can include NRE and NRO balances, fixed deposits, mutual funds and shares in India.
Filing late costs $25 a day, up to $2,500.
Coming next Automatic T1135 tracking in the app.
$86,400
of the $100,000 line
Pick the features you want and we’ll email you when they’re ready. The most-requested ones get built first.
Short, plain-language videos on the banking and tax rules that trip up Indians in Canada. New ones every few weeks.
Something else on your mind? Email hello@duofolios.com.
Yes. Tracking your accounts, the currency switch and everything that runs on your device is free, and will stay free. Later we’ll offer optional cloud sync as a paid extra for people who want their data on several devices.
In your browser’s storage, on your own phone or computer. We don’t run a server that receives your balances, so we couldn’t see them even if we wanted to. All the app sends out is a request for today’s exchange rate and an anonymous visit count, and neither includes your accounts. How we keep your data safe
Your data goes with it, which is why the app lets you download a backup file whenever you like and reminds you if it’s been a while. Keep the backup somewhere safe, like your own cloud drive, and restore it on any device.
If you use it in a Safari tab, Apple’s Safari deletes a website’s saved data once you’ve used Safari for seven days without opening that site, and Duofolios is a website to Safari. To keep your numbers, add Duofolios to your Home Screen: apps added there are exempt. Keeping a recent backup file also means you can restore everything if it’s ever cleared. Android and computers don’t do this. How to add it to your Home Screen
Never. Duofolios doesn’t connect to banks. You enter balances yourself. Coming next: fixed deposits, mutual funds and gold that update their own value, still without linking anything.
Yes, in any up-to-date browser. On a phone, add it to your home screen and it opens like an app. On an iPhone, installing it also stops Safari from clearing its data if you don’t open it for a while. How to install it
Any bank or broker in either country. You pick the kind of account, like TFSA, NRE or PPF, and name the institution. Nothing is linked, so there’s no list of supported banks to check.
You can add any account to your own view today. A family view with separate and combined totals is on the waitlist.
No. Duofolios is an educational tool. Our explainers and calculators help you understand the rules, but for decisions about your taxes or investments, talk to a qualified professional in the right country.
We’re Indians living in Canada, and we also run the Duofolios YouTube channel, which explains NRI banking, taxes and investing in plain language. About us
नमस्ते Namaste, in Hindi ਸਤ ਸ੍ਰੀ ਅਕਾਲ Sat Sri Akal, in Punjabi வணக்கம் Vanakkam, in Tamil કેમ છો Kem chho, in Gujarati നമസ്കാരം Namaskaram, in Malayalam నమస్కారం Namaskaram, in Telugu নমস্কার Nomoshkar, in Bengali ನಮಸ್ಕಾರ Namaskara, in Kannada नमस्कार Namaskar, in Marathi
It’s free, there’s nothing to sign up for, and your first account takes about a minute.