Investment Wallet – Know your portfolio
Track every asset class, calculate your investment score, and get personalised insights. All in your browser — no signup, no tracking, completely private.
Table of Contents
Tune your asset classes
Your portfolio is never one number. Stocks, mutual funds, FDs, gold, real estate — each asset class behaves differently and shapes your risk. Drag the sliders below to model ten common Indian asset classes. Every chart and score recalculates live.
- 10 pre-built asset classes · ₹0 to ₹5L each
- Live recalculation — nothing stored
- Read: Asset allocation by age
You’ve tuned your allocation. Ready to see what to fix first? Open the Decision Engine →
Your live portfolio dashboard
A ₹24 lakh portfolio sounds healthy until you notice 40% sits in one asset. The doughnut shows share, the bar shows absolute rupees. Together they answer: how much, how balanced, and where a shock would hurt most.
- Doughnut — percentage share per asset
- Bar — absolute rupees, ranked
- Cross-check with your Wallet Score
Analysis: Your portfolio is spread across 10 assets. Stocks is your largest at 20%, which is well concentrated. Stocks leads at ₹4,00,000, while Crypto is smallest at ₹50,000. Diversity score: 72. Consider adding tax-advantaged assets.
Want a snapshot for your records or CA? Download the PDF →
Five rules-based insights
Charts show the picture. Insights explain what to do. Five rules run silently behind your sliders — concentration, asset count, equity risk, smallest-asset opportunity, diversity grade. Each carries a status so you can scan in ten seconds and know where to focus.
- Concentration — top asset below 60%?
- Assets — at least three active?
- Equity — 30–70% of total?
Investment diversity score
From 0 to 100, blending two factors: how many assets are active, and how dominant the largest one is. Zero assets scores zero. Five assets with none above 40% pushes into the high 80s. Above 60 is healthy. Below 40 is urgent.
- 0–100, higher is more resilient
- Above 80 — highly diversified
- Feeds the overall Wallet Score
You have a good mix of assets. Consider adding tax-advantaged allocations for better resilience.
Our portfolio story
Real families plan in the kitchen, not on spreadsheets. Vikram and Ananya live in Bangalore, both work full-time, and track every asset together. Their numbers are live — the story is wired to the same data model you’re using.
- Dual income, ten asset classes
- Uses Investment Wallet monthly
- Read: Find your FI number
Vikram & Ananya · Bangalore, India
Real‑time portfolio snapshotHi, we’re Vikram (34, product manager) and Ananya (31, architect). We use the sliders to understand our portfolio mix and build a more resilient future.
Right now our portfolio is — across — assets. Top asset: — contributing —. Diversity is — — —. Track expenses in the Expenses Wallet and net worth in the Wealth Wallet.
Investment best practices
Nine rules we wish every investor knew. They’re not exotic — most show up in every personal-finance book. But they’re also the ones that get skipped. The list adapts to your sliders: high concentration lights up, too few assets nudges you.
- 3–5 assets, top below 60%
- Equity 30–70% of total
- Tax check via Tax Simulator
- Diversify: Aim for 3–5 assets. You have 4 active.
- Largest asset: Stocks (20%) — keep below 60%.
- Equity risk: 40% — aim for 30–70% of total.
- Diversity score: 72/100 — Moderate.
- Growth rate: Increase total by 10–15% yearly.
- Tax efficiency: Use the Tax Simulator.
- Emergency buffer: 6 months via Expenses Wallet.
- Review monthly: Adjust sliders as portfolio changes.
You’ve read the playbook. Ready to turn these rules into one action? Open the Decision Engine →
Investment & portfolio articles
Six guides covering what shows up most in our inbox: asset allocation by age, FI number, retirement corpus, passive income, wealth strategy, and insurance. Short, India-first, jargon-free.
- Six India-first guides
- Covers allocation, FI, retirement
- Includes the wallet-system explainer
Asset Allocation by Age (2026)
The right equity-debt-gold mix at every stage.
Read → FIFinancial Independence Number
Calculate your freedom number, India-style.
Read → RetirementRetirement Corpus India (2026)
How much do you actually need?
Read → PassivePassive Income Ideas India
Build streams that work while you sleep.
Read → WealthWealth Building Strategy India
From salary to crorepati — the system.
Read → ProtectionInsurance Planning India
Protect your wealth before you grow it.
Read →Take your wallets with you
Two modes, one promise. Browser mode keeps everything on your device. App mode adds goals and cross-device sync, hosted on Base44 with strict data and privacy controls. Both free.
Zero data. Nothing leaves your device.
Every wallet runs in your browser. No login, no server storage, no tracking. Close the tab and everything is gone.
Open Dashboard →Goals & sync, hosted on Base44.
The app adds goals, history and cross-device sync. Runs on Base44, which follows strict data and privacy controls.
Open Base44 app →Both modes are 100% free. Browser mode collects nothing. App mode is hosted on Base44 — please review Base44’s privacy policy before signing up.
Frequently asked questions
How many asset classes should I have?
What’s a healthy equity risk score?
Can I track crypto, EPF, or international funds?
How often should I rebalance?
How to rebalance without selling?
Does INDwallet help with goal-based planning?
Is my data safe and private?
Can I use this for multiple portfolios?
Three checkpoints that define your wallet
The Decision Engine reads your income, expenses, investments and protection. The Wallet Score measures them. The Investor Style shows the shape to aim for. Every other section builds on those three checkpoints.
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