Net worth tracker for India
A net worth tracker built
for Indian families
A net worth tracker adds up everything you own, takes away everything you owe, and shows you one number. WealthGamma does it for the whole family: stocks, funds and gold priced every day, plus the flat, the gold in the locker, your parents' FDs and the home loan. All of it, in one number that is true. Without touching a single broker login.
Product shown with illustrative example data.
Stocks, funds, gold
auto-priced every day
Property, PPF, FDs
each on its own rules
Loans & EMIs
subtracted, simulated
Zero linking
no broker & bank access
Auto-tracked
Stocks, mutual funds & gold,
priced automatically every day
Stocks pull NSE and BSE closing prices. Mutual funds pull AMFI NAVs. Gold follows the day's rate per gram. Enter what you bought and what you paid, once. The app does the rest, every day, forever.
And look at TCS in this list. Down 39%, in red, right at the top. This is a tracker, not a cheerleader.
Holdings · priced daily
NSE · BSE · AMFI · gold spotRELIANCE
NSE · CMP ₹1,303.60
₹1,79,897
+12.20%
Parag Parikh Flexi Cap
AMFI NAV · ₹91.52
₹3,55,508
+57.31%
Physical Gold · 50g
24k spot · ₹14,959/g
₹7,47,949
+113.69%
TCS
NSE · CMP ₹2,095.60
₹1,96,986
−39.29%
PPF Account
₹45,008
7.1% · interest accrues monthly
SBI FD · 3 year
₹6,26,344
7.0% · matures Jun 2027
Flat · Ahmedabad
₹72,05,000
Self-valued · bought Mar 2022
Gold Jewellery · 40g
₹5,48,496
22k rate ₹13,712/g today
Manual assets
Property, PPF, FDs & jewellery,
all counted in your net worth
These have no exchange price, so most apps pretend they don't exist. Here they're first-class: PPF grows at its declared rate, FDs compound exactly like the bank says, jewellery is weighed in grams at today's rate, property holds your valuation with the rent noted next to it.
Even the car is here, honestly losing value, the way it does in real life.
Allocation
Your real asset allocation,
not just the demat
Your broker only charts what's in the demat. For this family, that's ₹49.63L, while the other ₹1.63 crore of property, gold and deposits is invisible to every app on their phone.
Put it all in one chart and this family learns something in one glance: more than half their wealth sits in two pieces of property.
Asset Allocation · All portfolios
Total assets ₹2.13Cr
Every other app tracks your demat account.
WealthGamma tracks what your family is worth.
Home Loan · SBI
₹39,13,218 outstanding
₹50L principal · 8.5% · EMI ₹43,391
52 of 240 EMIs paid
3y 5m
Tenure saved
₹7.22L
Interest saved
Liabilities
Home loan tracking,
EMI by EMI
₹43,391 leaves this family's account every month. The app splits every EMI for you: this month, ₹31,961 of it is interest, money that's simply gone. The full 240-month schedule is laid out, every payment logged, every prepayment recorded the day you make it.
The simulator is the fight back. On this loan, an extra ₹10,000 a month ends it 3 years 5 months early, and keeps ₹7.2 lakh away from the bank.
Linked assets
How much of your home
is really yours?
Link a home loan to the property it bought and the answer stays on screen. This flat is worth ₹72.05L; the bank's share is ₹39.13L; the owner's is ₹32.92L. That's the net equity, the number that belongs in a net worth.
And every EMI moves it. The first one here bought just ₹7,974 of the house. This month's buys ₹11,430. The last one, in 2042, is almost all principal. Watch the line move.
Linked Asset
Flat - Ahmedabad →
Asset Value
₹72.05L
Outstanding
₹39.13L
Net Equity
₹32.92L
Repayment Schedule · where each EMI goes
240 EMIsAll portfolios · combined
₹1,73,88,930
Hardik · Self
7 holdings · 1 home loan · XIRR +5.58%
₹87.20L
50.1% of family
Papa · Father
18 holdings · XIRR +2.49%
₹73.77L
42.4% of family
Jeegna · Spouse
3 assets · XIRR +7.07%
₹11.60L
6.7% of family
Riya · Daughter
2 holdings · XIRR +15.17%
₹1.33L
0.8% of family
Family view
Every family member.
One net worth.
Your father's shop, your spouse's gold, your kid's first SIP. An Indian family's money is a joint project, but every app assumes one demat, one PAN, one person. Here, each member gets a portfolio, and they add up to one family number. One tap back to a single person when the ITR is due.
- A portfolio per member: each with its own holdings and XIRR
- Consolidated for the full picture, separate for the ITR
- A member's loan counts against them, not the family
Transactions & history
Sold holdings stay on the books,
your capital gains need them
This family has 33 exits on record: the wins and the ones nobody brags about. Nothing gets deleted: every buy lot stays, FIFO order intact, realized P&L on the books.
So in March, when it's LTCG time, the tax engine doesn't ask you to dig through old contract notes. It already knows.
Sold (33) · full history kept
Realized +₹1.83L lifetimeIRCON
Sold · lots preserved for tax
₹81,075
+₹15,568
ONGC
Sold · lots preserved for tax
₹23,673
+₹12,684
quant Small Cap Fund
Sold · lots preserved for tax
₹82,187
−₹17,813
HDFCLIFE
Sold · lots preserved for tax
₹17,188
−₹3,835
Getting started
Import from Zerodha, Groww,
CAMS & NSDL in minutes
Setup is one CSV, not one weekend. Drop your broker's tradebook or the CAS from CAMS/NSDL and ten years of buys land with real dates and real prices. After that, type in the flat and the jewellery (that's the five-minute part) and your number is live.
Everything included
- Daily prices: NSE/BSE stocks, AMFI mutual fund NAVs, gold
- Manual assets: PPF, EPF, NPS, FD, RD, property, crypto, cash
- Liabilities with EMI calendars and prepayment simulator
- Loan linked to the asset it bought: true net equity
- Buy, sell, dividend, bonus and split transactions
- Full history: sold and exited holdings preserved
- Consolidated family view or per-member breakdown
- CSV import from Zerodha, Groww, CAMS and NSDL
Explore the rest of the product
Before you sign up
Do I have to link my bank or broker account?
No. Nothing on WealthGamma connects to your bank, broker or email. You import a CSV or add holdings yourself, and daily prices come from public NSE, BSE and AMFI data. Your credentials stay yours.
Which app tracks mutual funds and stocks together in India?
WealthGamma tracks both in one portfolio. Stocks follow NSE and BSE prices, mutual funds follow AMFI NAVs, and they sit next to your gold, PPF, FDs, property and loans in one net worth.
Can I track my whole family's net worth in one app?
Yes. Each family member gets a portfolio under one login, and WealthGamma adds them into one family net worth. Capital gains stay separate per PAN for the ITR. Extra portfolios need a paid plan: Investor covers 3 and Wealth Pro covers 10.
Can I import a CAS (consolidated account statement)?
Yes. WealthGamma reads the CAS PDF from CAMS or KFintech and brings in every mutual fund transaction with its date, units and NAV. Stocks come in from a Zerodha tradebook or another broker's CSV or Excel file.
Does it track PPF, EPF, NPS and post office schemes?
Yes. WealthGamma tracks PPF, EPF, NPS, Sukanya Samriddhi (SSY), NSC, KVP and SCSS, along with FDs and RDs. Each one grows at its own rate between your updates.
How often are prices updated?
Every trading day. Stock prices come from NSE and BSE, mutual fund NAVs from AMFI after the market closes, and gold follows the day's rate per gram. Weekends and holidays hold the last close.
Is the net worth tracker free?
Yes, for one portfolio. Every account starts with 14 days of full access, no card. After that the Free plan keeps 20 holdings priced daily, 1 asset of each type like PPF, FD and property, 1 SIP, 1 goal and 1 loan per type, with no expiry. Broker and CAS imports need a paid plan.
How are gold and jewellery valued?
By weight. You enter grams and purity (22k or 24k) once; the value then follows the daily spot rate per gram. Sovereign Gold Bonds are tracked separately with their 2.5% interest on top.
What about PPF, EPF and FDs that have no market price?
Each one grows by its own rules between your updates: PPF accrues at its declared rate, FDs compound on the bank's schedule and know their maturity date, EPF applies the announced rate. The number stays right even when you haven't opened a passbook in months.
Do loans really reduce my net worth in the app?
Yes, that's the point. Every EMI is split into principal and interest, outstanding balances are subtracted from your assets, and if you link a loan to the property it bought, you see your true equity in it. A prepayment simulator shows what an extra payment does to tenure and interest.
What happens when I sell a holding?
It moves to Sold with its realized P&L, and every buy lot is preserved FIFO. Nothing is deleted. That history is what the tax planner uses to compute LTCG and STCG per financial year, per family member.
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