Both Foliom and ET Money help Indians get a grip on their money, but they start from opposite ends. ET Money is, first and foremost, a place to invest — mutual funds and SIPs — with money tracking added around that. Foliom starts from your inbox: it reads the bank, UPI, card and investment emails you already receive and turns them into your complete money picture automatically.
This guide lays out the honest difference so you can pick the right one, or use both.
The core difference
ET Money is an investment-first platform. Its centre of gravity is buying and holding mutual funds. Foliom is an inbox-first tracker. Its centre of gravity is reading the transaction emails you already get and assembling everything — spending, subscriptions, income, and net worth — with no manual entry and no buying.
Side by side
| Foliom | ET Money | |
|---|---|---|
| Primary focus | Track and understand all your money | Invest in mutual funds / SIPs |
| Main data source | Your email inbox (read-only) | Linked investments + in-app activity |
| Expense tracking | Automatic, from transaction emails | Available |
| Forgotten-subscription detection | Yes, flags dormant recurring charges | Not a core feature |
| Net worth | Auto-built from CAS + bank emails | Focused on investment value |
| Buy / sell funds | No (tracking only) | Yes |
| AI money chat | Yes, ask anything in your real numbers | Not a core feature |
Competitor details are general and current as of June 2026 — check ET Money’s own site for their latest features and pricing.
Where ET Money wins
If your main goal is to invest — start SIPs, browse and buy mutual funds, manage an investment portfolio in one place — ET Money is built for exactly that, and Foliom does not do it. Foliom is not a broker or distributor; it never sells you a fund.
Where Foliom wins
If your goal is to actually understand where all your money goes, Foliom is built for it:
- Zero manual entry. It reads the bank, UPI, card and SIP emails you already get and categorises every transaction automatically.
- Forgotten subscriptions. It surfaces recurring charges and flags the dormant ones — see our guide on finding subscriptions you forgot.
- Whole net worth. It reads your CAS statement and bank emails to build a net worth that stays current — see how to check your net worth in India.
- An AI agent.Ask “how much did I spend on food last month?” and get an answer in your real numbers.
See what inbox-native looks like
Foliom reads the emails you already get and builds your spending, subscriptions and net worth automatically. Try the live demo on sample data — no signup, nothing to connect.
Open the Foliom demoThe honest recommendation
These are not really rivals; they solve different jobs. Use an investing app like ET Money to buy and hold funds. Use Foliom to see your entire financial life — spending, subscriptions, income and net worth — assembled automatically from your inbox, with read-only access and your email body never stored. Most people who care about their money end up wanting both: one to invest, one to understand.