Best Kuvera alternative
The best Kuvera alternative for a family that owns more than mutual funds is WealthGamma. It imports the same CAMS or KFintech statement Kuvera does, adds stocks, gold, PPF, FDs, property and loans into one net worth, works out capital-gains tax on stocks as well as funds before you sell, projects decades ahead, and needs no coins to unlock any of it. Groww is the nearest free like-for-like for funds.
Kuvera is a free, well-built mutual fund app. WealthGamma is a net worth tracker: the same funds plus stocks, gold, PPF, FDs, property and loans, for every family member, with tax and projections worked out from files you upload.
By Hardik Vegad, founder of WealthGamma · Last updated
WealthGamma and Kuvera at a glance
WealthGamma
Net worth tracker for Indian families
- Stocks, mutual funds, gold, PPF, FDs, property and loans in one net worth
- Every family member on their own PAN, from one login
- Capital-gains tax before you sell, on stocks and funds alike
- Projections decades ahead, goals funded by your real investments
- Imports the CAMS or KFintech CAS, Zerodha, Groww, NSDL or any CSV; exports to CSV any time
- Price:
- Free plan; lifetime plan from ₹2,999 once, 14-day money-back
- Your data:
- Upload a file; export to CSV any time
- No coins:
- Every feature is in the plan; nothing else is sold
Kuvera
Direct mutual funds, by CRED
- Zero-commission direct mutual funds, free to use
- Imports outside funds from a CAMS statement you forward by email
- Capital-gains statement per FY, including imported funds
- TradeSmart shows the tax on a redemption before you sell
- Goals, SIP step-up, family and joint accounts, unlocked with coins
- Price:
- Free; coins unlock family, TradeSmart and tax harvesting
- Tracks:
- Mutual funds and FDs; stocks and EPF status unclear after the 2026 redesign
- Similar to:
- Groww, Zerodha Coin, ET Money
Why Kuvera users are looking for an alternative
Kuvera was, for years, the tracker fund investors recommended to each other. The searches for a Kuvera alternative started after CRED's April 2026 redesign. The points below are what reviewers on the App Store wrote between April and July 2026, plus two limits that were always there.
- Reviewers describe mutual fund import breaking, and support giving generic answers
- Redesign removed tax harvesting, EPF tracking, offline gold and the family view
- Some report portfolio values not matching their AMC records after the update
- Family accounts, TradeSmart and tax harvesting now cost Kuvera Coins
- Mutual funds only; no stocks, gold, PPF, property, loans or CSV import
TLDR: Free direct mutual fund platform, CRED-owned since 2024: CAS import, XIRR, goals, a capital-gains statement and a pre-redemption tax preview.
Gaps: funds only (no net worth), no CSV import, remaining features cost coins, and reviewers report broken import and mismatched values since the redesign.
WealthGamma imports the same CAS plus any CSV into one family net worth, tax before you sell on stocks and funds, every feature in the plan, no coins.
Sources
- Kuvera by CRED on the App Store (listing, and user reviews dated April to July 2026)
- Kuvera help: how to import, track and redeem mutual funds (the forwarded-CAS import flow)
- Kuvera help: capital-gains statement for imported transactions
- Kuvera help: TradeSmart
- Kuvera help: Kuvera Coins
- TechCrunch, CRED acquires Kuvera, 6 February 2024
Kuvera is SEBI-registered and free, and its fund-side analysis is good; nothing on this page says otherwise. Claims about the April 2026 redesign are what reviewers wrote, not something we could test.
WealthGamma vs Kuvera: feature comparison
Of the 23 features compared below, Kuvera offers 13, and its fund-side analysis is strong: XIRR, a sell preview, tax harvesting and a capital-gains report that includes imported funds. WealthGamma offers 22, adding stocks, gold, PPF, property and loans in one net worth, tax on stocks, projections, broker and CSV import, and every feature without coins.
| Feature | WealthGamma | Kuvera |
|---|---|---|
| Coverage | ||
| Mutual funds | Yes | Yes |
| Fixed deposits | Yes | Yes |
| Stocks, gold, PPF, property, loans in one net worth | Yes | No |
| Family members, per PAN | Yes | Yes |
| Dividend calendar | Yes | No |
| Analysis | ||
| Gain and loss | Yes | Yes |
| XIRR | Yes | Yes |
| Tax before you sell | Yes | Yes |
| Capital-gains report on imported funds | Yes | Yes |
| Capital-gains tax on stocks | Yes | No |
| Tax-loss harvesting suggestions | Yes | Yes |
| Net worth projections | Yes | No |
| Goal tracking | Yes | Yes |
| Import and export | ||
| CAMS or KFintech CAS import | Yes | Yes |
| Broker tradebook import | Yes | No |
| CSV import | Yes | No |
| Reports and statements to download | Yes | Yes |
| Buying funds in-app | No | Yes |
| Pricing | ||
| Free plan | Yes | Yes |
| Every feature included, no coins | Yes | No |
| One-time purchase | Yes | No |
| Money-back guarantee | Yes | No |
| Sells no financial products | Yes | No |
Kuvera details from its App Store listing, help centre articles and blog, and App Store reviews dated April to July 2026, all checked 9 September 2026. Stock and EPF tracking are advertised but reviewers report them missing after the April 2026 redesign, so they are not counted either way. WealthGamma details from the product as of ; the pricing page has current plan limits.
Price takeaway
Kuvera is free for funds, and coins unlock the rest. WealthGamma's free plan tracks one portfolio with no expiry; the lifetime plan is ₹2,999 once for the family view, tax and projections, with every feature included and 14 days to get your money back.
Key differences
Kuvera and WealthGamma differ in four ways: scope (mutual funds versus a family's whole net worth), tax (funds only versus stocks and funds, both with a sell preview), how data gets in (a forwarded CAS versus any CAS, tradebook or CSV), and how you pay (free with coin-gated features versus one plan with everything in it).
A fund portfolio vs a family's net worth
Kuvera shows your mutual funds, and FDs bought through it. WealthGamma puts the same funds beside stocks, gold, PPF, the flat and the home loan, for every family member on their own PAN, so the number on screen is what the family is worth. How the net worth tracker works.
Tax on funds vs tax on everything
Kuvera's TradeSmart is a genuinely useful sell preview, and its capital-gains statement covers imported funds, but stocks are outside it. WealthGamma computes FIFO lots, LTCG and STCG and the ₹1.25 lakh exemption per PAN on stocks and funds alike, and shows the tax before you place any sell order. How the capital-gains tax planner works.
A forwarded CAS vs any file
Kuvera imports outside funds by triggering a CAMS statement to your email, which you forward to it; reviewers say this stopped working for some in 2026. WealthGamma reads the same CAS PDF you upload, plus Zerodha, Groww, Upstox and Angel One tradebooks, the NSDL CAS, and any CSV or Excel file with a column mapping you set once. Importing a CAMS or KFintech CAS.
Coins vs a plan
Kuvera is free, and family accounts, TradeSmart and tax harvesting are unlocked with coins earned by adding SIPs and goals or bought at about a rupee each. WealthGamma has one price with everything in it, paid for by subscriptions, so no feature needs earning. Plans and what they include.
Which should you use?
Use WealthGamma when
You want one number for the whole family's wealth, funds and everything else, with the tax on any sale known before you place it and the next twenty years projected from real holdings, in an app you pay for once and never earn coins for.
Choose WealthGamma if
- Family portfolios: spouse, parents, children, each on their own PAN
- Stocks, gold, PPF, flat and home loan counted with the funds
- Tax known before you sell, on stocks too
- Goals funded by your real investments
- Net worth projected decades ahead
- Dividend calendar: earned and upcoming
- Any CAS, tradebook or CSV, uploaded once a month
- Every feature in the plan, no coins
Use Kuvera when
You mostly invest in direct mutual funds, want to buy and track them in one free app, and are happy with a fund-only view plus a sell preview before you redeem.
Choose Kuvera if
- Direct mutual funds only, bought and tracked in one place
- A sell preview before every redemption
- Free, and happy to earn coins for the extras
- Joint accounts with up to three holders
- A fund-first view with no other assets to add
Who should not switch to WealthGamma?
WealthGamma tracks and plans; it does not trade, sync or publish news. Four needs are better served elsewhere, and this list is meant literally: if one of these matters, do not switch.
- Buying and selling inside the app
- Automatic syncing by linking brokers or sharing an inbox
- US stocks, or crypto priced live from exchanges
- Market news and research next to the portfolio
If that is you, one of the trackers below is the better fit.
Other Kuvera alternatives worth knowing
Five trackers Kuvera users move to, with the price, who each suits and the catch. Groww and ET Money are the closest free like-for-likes for funds. INDmoney adds stocks and auto-sync at the cost of inbox access. MProfit is the most thorough on tax and the most expensive.
| Tracker | Price | Best for | The catch |
|---|---|---|---|
| WealthGamma | Free plan; lifetime from ₹2,999 | A family's whole net worth, per PAN, with tax before you sell and projections ahead. | No trading, no auto-sync, no US stocks, no news. |
| Moneycontrol Portfolio Manager | Free | Someone who wants the closest thing to ET Portfolio: a free stock and fund list inside a news site. | Reviewers report you cannot bulk-upload sell transactions, so history has to be entered one sale at a time. |
| Value Research | Part of Value Research premium, about ₹5,000 a year | Mutual fund investors who want deep fund analysis with the tracker. | Paid yearly, and stocks are secondary to funds. |
| INDmoney | Free | Someone who wants everything auto-synced and does not mind how. | It reads your email and links to brokers to do it, so a third party holds your financial data. |
| Groww | Free for mutual funds; ₹20 per stock order | Someone who wants direct funds and a stock broker in one free app, with outside funds imported via MF Central. | A broker first; tracking outside holdings is basic and there is no net worth view. |
| ET Money | Free; Genius membership is paid | Direct mutual fund investors who want fund analysis and a simple tracker in one app. | Owned by 360 ONE since 2024; funds first, stocks secondary, and the app sells products. |
| MProfit | ₹18,000 a year plus GST; no cheaper plan since June 2025 | HNIs, family offices and CAs who need capital-gains reports in ITR, ClearTax and Winman formats across 700 or more brokers. | Priced by portfolio size, no free plan, and no goals, projections or harvesting. |
Prices and features as published by each company or reported in user reviews, checked . Tell us if one is out of date.
Questions Kuvera users ask before switching
Short answers to the six questions Kuvera users ask most since the April 2026 redesign, from what changed under CRED to how to move a fund portfolio out.
What happened to Kuvera after CRED bought it?
CRED acquired Kuvera in February 2024 and relaunched the app as Kuvera by CRED in April 2026 with a new design, a coins programme and a liquid-fund feature called Surplus. App Store reviews from April to July 2026 describe features missing after the update, including tax harvesting, EPF tracking, offline gold and the single-login family view, and import problems for some users.
Is Kuvera still free?
Yes. Direct mutual funds are free with zero commission and no account charges. Family accounts, TradeSmart and tax harvesting are unlocked with Kuvera Coins, which you earn by adding goals, SIPs or imports, or buy at about a rupee a coin. Kuvera earns from partner products such as FDs and from those coins.
What is the best alternative to Kuvera?
For a family's whole net worth, with stocks, gold, PPF, property and loans beside the funds, tax before you sell and projections ahead, WealthGamma. For a free fund-only app with the same direct plans, Groww or ET Money. For ITR-ready capital-gains reports across hundreds of brokers, MProfit, at about ₹18,000 a year.
How do I export my portfolio from Kuvera?
The Reports section lets you download a portfolio holding statement, mutual fund transaction history and a capital-gains statement per financial year. The formats are not documented. For a clean move, request a CAS from CAMS or KFintech instead: one PDF with every fund transaction across all your folios, which any tracker can read.
How do I move from Kuvera to WealthGamma?
Request the CAS from CAMS or KFintech for your funds and download the tradebook from each broker for stocks. In WealthGamma, Settings, Import Data reads the CAS PDF and Zerodha or Groww files as they are; any other CSV maps column by column once. Every buy keeps its date and price, so XIRR and tax come from real history.
Is WealthGamma free like Kuvera?
There is a free plan with no expiry and no card: one portfolio with unlimited stocks, mutual funds and gold priced daily, one SIP, one goal and one loan. Family portfolios, projections and the tax planner are on paid plans, including a one-time lifetime plan, all with a 14-day money-back guarantee. There are no coins and nothing else is sold.
Compare WealthGamma with other trackers
- ET Portfolio alternative
- INDmoney alternative
- MProfit alternative
- Kubera alternative
- Value Research alternative
- Fi Money alternative
- ET Money alternative
- Moneycontrol Portfolio alternative
- Zerodha Console alternative
- Excel Portfolio Tracker alternative
- Sharesight alternative
- Dezerv Wealth Monitor alternative
- Tickertape alternative
- MF Central alternative
- Delta alternative
Start with the free plan, import tonight
Free plan: 1 portfolio, unlimited stocks, mutual funds and gold priced daily, 1 SIP, 1 goal, 1 loan. No card, no expiry. Paid plans include a one-time lifetime plan from ₹2,999. Every paid plan has a 14-day money-back guarantee. Export everything to CSV whenever you like from Settings.
Start free, no card