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    Net worth tracker for Indian families

    Your family's entire wealth.
    One screen.

    Stocks, mutual funds, gold, PPF, FDs, the flat and the loan on it. Tracked to the rupee, projected to retirement. You, your spouse and your parents, in one login.

    Try WealthGammaHow it works

    No PAN. No broker linking. No OTPs. Nothing to leak.

    Free plan is free forever. Paid plans carry a 14-day money-back guarantee.

    ™All portfoliosPapaSearch…⌘KH

    Viewing

    All portfolios
    Hardikself
    Jeegnaspouse
    Papafather
    Riyachild
    Manage portfolios
    DashboardHoldingsAssetsTransactionsSIP PlansLiabilitiesGoalsPlansTax PlannerSupportSettings

    Welcome back, Hardik

    Here's how your wealth looks today, 16 July 2026.

    Net Worth

    ₹1.75Cr₹73.77L

    Total Invested

    ₹1.87Cr₹65.32L

    8 asset classes · 27 holdings4 asset classes · 18 holdings

    Total Liabilities

    ₹39.13L₹0

    1 loan · 8.5% avg rateNo active loans

    Day Change

    ——

    Awaiting today's price/NAV updateAwaiting today's price/NAV update

    Total Returns

    +₹26.54L+₹8.45L

    +14.18%+12.94%

    Portfolio XIRR

    +5.37%+2.5%

    Holdings +12.15% · Assets +3%Holdings +3.72% · Assets +1.59%

    P&L This Year

    +₹7.65L+₹1.45L

    Realised ₹0 · Unrealised +₹7.65LRealised ₹0 · Unrealised +₹1.45L

    Monthly SIP

    ₹50,000₹0

    2 active plans · auto debitNo active SIPs

    Asset Allocation

    ₹2.14Cr₹73.77LTotal
    Real Estate53.4%Mutual Funds18.2%Vehicle8%Gold7.1%Equity / Stocks5.3%Fixed Deposits5.2%Cash & Savings2.6%PPF / EPF / NPS0.2%
    Real Estate56.9%Mutual Funds24.2%Equity / Stocks15.5%Cash & Savings3.4%

    Stocks

    ₹11.4LTotal
    NIFTYBEES21.3%TCS17.3%RELIANCE15.8%TMCV9.5%INFY9.2%ADANIPOWER7.8%TMPV7.6%Others (3)11.7%

    Mutual Funds

    FundsCategory
    ₹38.38L₹17.87LTotal
    Axis Short Du…16.2%Motilal Oswal…15.3%Motilal Oswal…11.0%Parag Parikh Fl…9.3%Bandhan Small…8.3%HDFC Flexi Cap6.7%Axis Small Cap5.9%Others (8)27.3%
    Motilal Oswal M…32.9%Motilal Oswal…23.7%Bandhan Small…17.8%Nippon India S…8.3%Quant Flexi Cap5.9%Axis Nifty Small…5.7%Quant Mid Cap4.3%Quant Small Cap1.4%

    Equity Portfolio Breakdown

    PortfolioTotal inv.Total curr.Stock inv.Stock curr.%MF inv.MF curr.%XIRR
    Hardik₹14.05L₹19.04L———₹14.05L₹19.04L+35.49%+16.95%
    Jeegna₹0₹0———————
    Papa₹27.82L₹29.27L₹11.12L₹11.4L+2.54%₹16.7L₹17.87L+7.02%+3.72%
    Riya₹79,000₹2L———₹79,000₹2L+152.67%+15.19%
    Total₹42.66L₹50.3L₹11.12L₹11.4L₹31.54L₹38.9L+5.37%+2.5%

    Top Gainers

    NameQtyInvestedCurrentP&L%
    BHELEquity / Stocks200₹7,240₹75,680+₹68,440+945.3%
    JIOFINEquity / Stocks36₹3,451₹8,611+₹5,160+149.53%
    ADANIPOWEREquity / Stocks400₹42,720₹88,620+₹45,900+107.44%
    TMCVEquity / Stocks250₹59,029₹1.08L+₹48,934+82.9%
    ITCEquity / Stocks172₹31,493₹48,590+₹17,097+54.29%

    Top Losers

    NameQtyInvestedCurrentP&L%
    TCSEquity / Stocks94₹3.25L₹1.97L−₹1.28L-39.39%
    TMPVEquity / Stocks250₹1.3L₹86,188−₹44,283-33.94%
    INFYEquity / Stocks100₹1.1L₹1.05L−₹5,320-4.84%
    Quant Mid Cap FundMutual Funds302.894₹79,996₹76,178−₹3,818-4.77%
    Motilal Oswal Midcap FundMutual Funds5337.528₹5.95L₹5.88L−₹7,271-1.22%

    Realized P&L by Financial Year

    FY 2025-26
    ₹3L
    ₹2L
    ₹1L
    ₹0
    −₹1L
    FY 2020-21
    FY 2021-22
    FY 2022-23
    FY 2023-24
    FY 2024-25
    FY 2025-26
    LTCGSTCGEst. Tax

    Your Projection

    See how your ₹1.75Cr₹73.77L grows to retirement — net worth, cash flow & taxes.

    Open "Retirement Plan"+ New plan

    FY 2024-25 — Realized P&L

    Realized capital gains & estimated tax

    FIFO method · Intra-head set-off · Excludes brokerage & STT

    ✕
    Papa

    Total P&L

    +₹2.16L

    LTCG gain

    +₹1.66L

    STCG gain

    +₹50,802

    LTCG tax @12.5%

    ₹5,072after ₹1.25L exemption

    STCG tax @20%

    ₹10,160

    Net tax

    ₹15,232
    StockDateQtySell valueP&LTypeTax
    CONFIPET06-05-2024150₹13,185+₹5,932LTCG₹742
    TITAN08-05-202414₹45,576+₹4,846STCG₹969
    DMART13-05-202448₹2.25L+₹74,444MIXED₹10,980
    PCBL03-06-202491₹21,239+₹10,418MIXED₹1,428
    AXISBANK05-06-202430₹34,345+₹13,925LTCG₹1,741
    SBC21-08-20241000₹31,000−₹600STCG—

    Live product, shown with an example family's data.

    8+
    asset classes, one total
    Daily
    prices off NSE, BSE & AMFI
    1,000
    market paths per projection
    0
    bank or broker credentials

    How it works

    Set up in an evening. Useful for decades.

    Three steps. No broker linking, no OTPs, no typing numbers into a spreadsheet on Sunday nights.

    Import your history

    Drop in your Zerodha tradebook or CAMS/NSDL statement. Every holding lands with its buy date and price, or you can type it in yourself.

    See the whole family together

    Stocks, funds and gold get priced every day. Add the flat, the PPF, the loan. One number for the family, or one per person.

    Run it forward twenty years

    Every SIP, EMI and deposit feeds the projection. Retire at 55? Buy the flat in 2029? See the range, not one hopeful line.

    The full toolkit

    Everything you need, built in

    From the day you import your history to the day you file the ITR. No gaps you have to fill in a spreadsheet.

    No broker or bank linking

    Import statement files or type holdings in. No credentials, no OTPs, no PAN upload.

    FIFO tax engine, per PAN

    Every sale split into buy lots, classified LTCG or STCG at Sec 112A rates, per family member.

    Broker and CAS imports

    Zerodha, Groww, CAMS and NSDL files land exact, every buy lot preserved for tax.

    Family portfolios

    One login for you, your spouse and your parents. Consolidated view, separate taxes.

    Daily auto-pricing

    NSE and BSE stocks, AMFI mutual fund NAVs and gold, repriced every day.

    Projections and scenarios

    Monte Carlo bands and retire-at-55 toggles, decades ahead, from your real SIPs and EMIs.

    Also included: splits and dividends, PPF, EPF and NPS, gifts and transfers between PANs, tax-loss harvesting, step-up SIPs, loans with a prepayment simulator, sell preview, FDs, RDs and crypto, and read-only sharing.

    Projections

    See your financial future before you live it.

    Put in your SIPs, EMIs and salary. The app runs 1,000 possible futures for your money. Retire early, buy the flat, live through a crash. You see the answer in seconds, bad years included.

    • A range of outcomes, not one hopeful line
    • Test a choice: retire early, add a SIP, buy the flat
    • Move the age slider. Every number updates live
    Explore projections
    ™PapaSearch…⌘KH
    DashboardHoldingsAssetsTransactionsSIP PlansLiabilitiesGoalsPlansTax PlannerSupportSettings

    Dashboard › Plans › Retirement Plan

    Retirement PlanPlanCash FlowTax AnalyticsSettingsPlans ▾⟳ Regenerate+ Add plan
    ⚠Your plan survives on average — but in bad markets your money runs out at age 70In the worst 10% of the 1,000 simulated futures, assets hit zero before your life expectancy. Turn on "Market range" on the chart to see the downside band.
    How much can I safely spend?Finds the monthly lifestyle your plan can sustain for life.Find out
    When could I retire?Finds the earliest age your money lasts to life expectancy.Find out
    Net WorthToday's ₹NominalMarket rangeRange: Near-termFull Life

    Band = range across 1,000 simulations · dashed = median

    ₹0₹50.0 L₹1.00 Cr₹1.50 Cr₹2.00 Cr₹2.50 Cr₹3.00 Cr₹3.50 Cr₹4.00 Cr₹0₹1.00 Cr₹2.00 Cr₹3.00 Cr₹4.00 Cr₹5.00 Cr₹6.00 CrNet Worth (₹)
    Now
    34384246505458626670

    Age

    You 342026
    Today's ₹Nominal

    Inflation-adjusted, real purchasing power

    Net Worth₹78.61L
    Assets Breakdown▾₹78.61L
    Liquid Net Worth₹78.61L
    Withdrawals₹0
    Income▾₹11.00L
    Expenses▾₹7.30L
    Taxes₹0
    Effective Tax Rate0.0%

    Cash Flow

    Where every rupee flows in a single year — inflows, taxes, spending and what gets invested.

    Age 34 · 2026

    Total Income

    ₹11L

    Taxes

    ₹0

    Expenses

    ₹7.3L

    Invested (SIP)

    ₹3.64L

    To cash savings

    ₹6,000
    Salary ₹10LSide Hustle ₹1LEarned IncomeOther InflowsInflowsExpenses ₹7.3LInvestments ₹3.64LCash SavingsHealth Care ₹1LLiving Expenses ₹5LSchool Fees ₹1LTravel / VacationMutual Funds (SIP)PPF ContributionCash Savings ₹6,000

    Drag the slider to scrub through years. Inflows on the left flow into outflows — tax, expenses, debt, investments and cash — on the right.

    Complete coverage

    Everything you own, in one place.

    Market assets price themselves. Everything else you add once and it compounds on schedule. If your family owns it or owes it, it is on this screen.

    Family net worth

    ₹1.84 Cr

    ₹2.29 Cr assets · −₹45.2L loans

    Property 35%Gold 19%Stocks 18%Mutual funds 13%Retirement 11%FDs 4%

    Stocks

    ₹42.3L

    ▲ 18.2% XIRR

    RELIANCE₹9.4L
    HDFCBANK₹7.1L
    TCS₹5.8L

    Mutual funds

    ₹28.6L

    4 SIPs · ₹52,000/mo

    Gold

    ₹43.7L

    300g · priced daily

    Home · Ahmedabad

    ₹80.0L

    EMI ₹38,400/mo

    Loan

    −₹45.2L

    44% equity built · 11 years remaining

    Retirement

    ₹26.4L

    PPF₹12.4L
    EPF + VPF₹9.8L
    NPS₹4.2L

    Fixed deposits

    ₹8.0L

    2 FDs · 7.4% avg

    Next maturity Nov 2027

    Example family. Imported from Zerodha or CAMS files, or added yourself. Always exact, never estimated.

    See the family net worth tracker

    Goals

    Your child's education is due in 2031. Are you on pace?

    Set a target and a year. WealthGamma tracks your real SIPs and savings against it, tells you the funded percentage today, and the exact rupees to add each month to close the gap.

    • Any goal, any year: education, a home, early retirement
    • On-pace % from your real SIPs, not rough intentions
    • The exact ₹/month you need to add to get there
    Explore goals
    ™PapaSearch…⌘KH
    DashboardHoldingsAssetsTransactionsSIP PlansLiabilitiesGoalsPlansTax PlannerSupportSettings

    Dashboard › Goals

    Goals

    Track every life goal — see what's on schedule, what needs attention, and what each goal costs in today's money.

    AllOn TrackBehindAchieved+ Goal

    Total Goals

    2

    0 on track · 2 need attention

    On Track

    0/2

    0% of goals are on schedule

    Target Total

    ₹50L

    across all goals (today's value)

    Total Saved

    ₹16.29L

    32.6% of target reached

    Riya's Education

    Target Jun 2031 · 58 mo left (4.8 yrs)

    Behind

    ₹11.63Lof ₹25L

    46.5% reached₹23,046/mo needed

    Inflation adj.

    ₹33.13L @ 6% p.a.

    35.1% of inflation-adjusted

    Projected

    Dec 2032 (delayed)

    at current SIP pace

    Allocation

    6 investments
    Fixed Deposits 72%Equity / Stocks 28%

    Linked investments (6)

    ₹11.63L
    SBI FD75%+25.3%₹4.7L
    ICICI FD75%+63.7%₹3.68L
    NIFTYBEES50%+0.1%₹1.21L
    RELIANCE50%+12.2%₹89,948
    TMPV75%-33.9%₹64,641
    TCS25%-39.3%₹49,247

    +3 moreShow less ⌃

    ✎ Edit✓ Mark achieved🗑

    Home Down-payment

    Target Jul 2031 · 59 mo left (4.9 yrs)

    Behind

    ₹4.66Lof ₹25L

    18.6% reached₹34,479/mo needed

    Inflation adj.

    ₹33.29L @ 6% p.a.

    14% of inflation-adjusted

    Projected

    Dec 2030 (on time)

    at current SIP pace

    Allocation

    5 investments
    Mutual Funds 57%Equity / Stocks 43%

    Linked investments (5)

    ₹4.66L
    HDFC Flexi Cap Fund75%+3.2%₹1.94L
    NIFTYBEES50%+0.1%₹1.21L
    Nippon India Small Cap Fund50%+5.8%₹74,052

    +2 more

    ✎ Edit✓ Mark achieved🗑

    Edit goal

    Plan your future. Track every step.

    ✕
    1 Goal basics2 Money & timeline3 Funding

    What's the goal? *Pick a category — we'll set sensible defaults

    HomeVehicleEducationRetirementTravelWeddingBusinessCustom

    Goal name *

    Riya's Education

    Target date *59 months · 4.9 years away

    11/06/2031
    In 2 yearsIn 5 yearsIn 10 yearsIn 20 years

    ImportanceUsed when shortfalls force a trade-off

    Must-haveSacrifice lastImportantBalancedNice-to-haveSacrifice first
    Live previewupdates as you type
    ⌂Riya's EducationTarget Jun 2031 · 59 mo leftOn track

    ₹11.63Lof ₹25L

    46.5% reached₹27,084/mo needed
    Years to goal4.9 yrs
    Linked corpus₹11.63L
    Future cost₹33.27L
    SIP needed₹27,084/mo

    Target amount in today's money *What it would cost right now

    ₹ 2500000
    ₹5.00 L₹25.00 L₹1.00 Cr₹5.00 Cr

    Expected inflation rate6% per year

    0%6% (typical)12%

    What it'll cost in Jun 2031

    ₹33.27L

    That's ₹8.27L more than today, after 6% inflation over 4.9 years.

    Monthly SIP needed

    ₹27,084/month

    To hit ₹33.27L by Jun 2031, assuming 12% returns and ₹11.63L starting corpus.

    Live previewupdates as you type
    ⌂Riya's EducationTarget Jun 2031 · 59 mo leftOn track

    ₹11.63Lof ₹25L

    46.5% reached₹27,084/mo needed
    Years to goal4.9 yrs
    Linked corpus₹11.63L
    Future cost₹33.27L
    SIP needed₹27,084/mo

    Goal

    Riya's Education

    Linked

    ₹11.63L · 46.5%

    Target

    ₹25L · Jun 2031

    Future cost

    ₹33.27L @ 6%

    SIP needed

    ₹27,084/mo

    Link investments to this goalSame investment can fund multiple goals — set % allocation for each

    Equity / Stocks 10Mutual Funds 10PPF / EPF / NPS 3Fixed Deposits 2Gold 1
    NIFTYBEESPapa100% used+₹1.21L of ₹2.43L25%50%75%100%
    TCSPapa25% used−₹49,247 of ₹1.97L25%50%75%100%
    RELIANCEPapa50% used+₹89,948 of ₹1.8L25%50%75%100%
    TMPVPapa75% used−₹64,641 of ₹86,18825%50%75%100%
    Cancel← BackContinue →✓ Save changes

    Tax engine

    Know the tax before you sell. Not at ITR time.

    Pick a holding to sell. Before you confirm, the app shows the tax on that sale and what you keep after it. Every lot is matched the way the IT department does it, for every PAN in the family.

    • See the tax before you sell, not at ITR time
    • Long-term or short-term, sorted for you
    • Tips to use your ₹1.25L tax-free limit each year
    Explore the tax engine

    Sell holding

    RELIANCE · NSE

    40 shares @ ₹2,980Order value ₹1,19,200

    FIFO · split into 2 buy lots

    Lot 1 · 12 Mar 2021

    25 shares

    LTCG+₹28,400

    Lot 2 · 04 Nov 2024

    15 shares

    STCG+₹9,150
    LTCG tax: inside ₹1.25L exemption₹0
    STCG tax: ₹9,150 @ 20%₹1,830
    Net proceeds after tax₹1,17,370
    CancelConfirm sale

    All portfolios · combined

    ₹1.24 Cr

    4 members · 4 PANs
    H

    Hardik

    You · own PAN, own ITR

    ₹62.4L

    50% of family

    J

    Jeegna

    Spouse · own PAN, own ITR

    ₹31.2L

    25% of family

    P

    Papa

    Father · own PAN, own ITR

    ₹24.8L

    20% of family

    M

    Mummy

    Mother · own PAN, own ITR

    ₹6.1L

    5% of family

    Transfers keep buy dates & cost basisRead-only links for family

    Family portfolios

    One person tracks the money for the whole house. Now they have a tool.

    Your money, your spouse's, your parents', the kids'. One login holds it all. See the whole family together, or one person when it is tax time.

    • One portfolio per person, on their own PAN
    • One tap from the family view to any one member
    • Each person's tax worked out on its own
    Explore family portfolios

    Dividend calendar

    Every dividend you will get, on one calendar.

    Every stock you hold, every dividend it pays. What came in this year, what is coming next, and how much of it is yours.

    • Paid and upcoming, month by month
    • Your amount, not just the ₹ per share
    • Each family member's share, shown on its own
    Explore the dividend calendar

    Product shown with illustrative example data.

    Import

    Five years of trades, in under a minute

    Drop in your Zerodha tradebook, your CAMS or NSDL statement, or any broker CSV. Every holding, buy date and price lands exactly as it happened. No broker linking, no passwords, no typing. How CAS import works. Coming from ET Portfolio?

    ZerodhaGrowwCAMS / KFintechNSDL CASCustom CSV

    tradebook-FY25.csv

    247 transactions matched by ISIN · 0 errors

    100%
    HoldingQtyAvg costValue
    RELIANCE82₹2,214₹2,44,360
    HDFCBANK410₹1,512₹7,13,220
    Parag Parikh Flexi Cap3,842.11₹58.20₹3,10,485
    UTI Nifty 50 Index6,204.88₹121.44₹9,86,120

    Pricing

    Our pricingYour investment

    Less than one bad mutual fund exit fee, for the whole family's plan.

    Free

    14 days of full access, then Free forever.

    ₹0forever

    • 1 Portfolio
    • 20 Holdings
    • 1 Asset per type
    • 1 SIP · 1 Goal · 1 Loan per type
    • Daily prices
    • Dividend and split alerts
    Start free

    Pro

    Most popular

    The whole family, projected decades ahead

    ₹299/month

    • Family portfolios, every PAN separate
    • Unlimited SIPs, goals & loans
    • Retirement projections & simulations
    • Tax Planner & ITR reports
    • Broker imports: Zerodha, CAMS, NSDL & more
    • Tax-loss harvesting & sell preview
    Start 14-day free trial

    Other trackers charge you every single year.

    WealthGamma: pay once, yours forever.

    14 days of full access, free. No credit card.

    See the full plan comparison

    Before you sign up

    Questions people ask first

    Do I have to link my bank or demat account?

    No. You import broker CSV files (Zerodha tradebook, CAMS or NSDL CAS) or add holdings yourself. We never see your credentials.

    What happens to my data if I leave?

    Export everything to CSV, then delete your account from settings. Deletion is immediate and permanent.

    What is WealthGamma?

    A privacy-first net worth tracker and projection app for Indian families. It tracks stocks, mutual funds, gold, PPF, FDs, property and loans for every family member in one login, projects wealth decades ahead, and computes Indian capital-gains tax per PAN. No broker linking, OTPs or PAN needed.

    How accurate is the tax calculation?

    Every sale is matched against buy lots using FIFO, classified LTCG or STCG at Sec 112A rates with the ₹1.25L exemption applied. You see the tax before you confirm a sale.

    Can I manage my whole family from one account?

    Yes. One portfolio per member, consolidated or per person, with each PAN's capital-gains tax computed separately for ITR season.

    How are prices kept up to date?

    Stocks, mutual fund NAVs and gold rates update every day. Manual assets like property, PPF and FDs use the values and interest rates you set.

    What do projections assume?

    Whatever you set: expected returns per asset class, SIP step-ups, inflation, retirement age. Monte Carlo bands show the range of outcomes, not one line.

    Track your family's net worth for free

    Everything you own and owe on one screen, for every family member. 14 days of full access, no card. Then one portfolio stays free forever.

    PAN not required · No broker linking · No OTPs

    Start freeSee plans