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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.

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.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

One portfolio, forever free

₹0forever

  • 1 portfolio
  • Unlimited stocks, MFs & gold, auto-priced daily
  • 1 SIP · 1 goal · 1 liability
  • Net-worth timeline & dashboard
  • Manual assets: PPF, FD, property & more
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 Pro trial

Other trackers charge you every single year.

WealthGamma: pay once, yours forever.

No upfront cost and no forced trial. The Free plan really is free, forever. You only pay when you choose to unlock more.

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.

Know your family's number tonight

Import one statement, add the flat and the PPF, and see everything you own and owe on one screen, then run it forward twenty years.

Start freeSee plans

No PAN · No broker linking · No OTPs · Free plan is free forever