Dynamic Allocation · Real‑time Risk

Investment Wallet.
Know your portfolio.

Not a budgeting app. A financial operating system for India.

Adjust sliders for each asset class, add custom categories – see allocation, equity risk, and investment score update instantly. No login, completely private.

✔ 100% Free ✔ No Data Stored ✔ India-First ⚡ Takes under 30 seconds 🔒 Data stays in your browser
💰 Total Invested
🔄 Active Assets
🥇 Largest Asset
📊 Investment Score
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Investment ScoreYour portfolio health
72/100 Balanced Investor

Your portfolio is well-diversified. Consider adjusting risk to match your goals.

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Asset ClassesAdd, remove, slide to adjust
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Portfolio Breakdown
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Equity Risk Score
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Our Investment Story: Vikram & Ananya

Real‑time portfolio snapshot · Bangalore, India
Live

Hi, we’re Vikram (34, product manager) and Ananya (31, architect). We’re building a diversified portfolio in Bangalore for our long‑term goals – retirement, a down payment, and travel.

Total Invested
Active Assets
Equity Risk

Right now, our total invested corpus is across active assets. Our largest holding is . Our equity risk score is , which is .

We use the sliders to simulate rebalancing – for example, adding more to Fixed Deposits if the risk score climbs above 80%. The tool helps us stay on track. We also keep our emergency fund in the Expenses Wallet and track our net worth in the Wealth Wallet.

Investment best practices

    Frequently asked questions

    asset allocationequity riskrebalancingdiversificationportfolio trackerinvestment score
    🚀 Getting Started
    Adjust the sliders for each asset class to match your current or target portfolio. The pie chart updates instantly, and the Equity Risk Score gauge shows your overall equity exposure. Add custom assets anytime. For a complete picture, sync with the Income Wallet to see how much you can invest each month.
    Yes – INDwallet runs 100% in your browser. No data is ever sent to any server. Your numbers disappear when you close the tab. Read our Privacy Policy for details.
    📊 Asset Allocation
    Many planners suggest 60-80% equities for long-term growth (20s-30s), 40-60% for moderate (40s), and lower for near retirement. Use the Retirement Life Stage calculator to refine your target.
    Yes! Use ‘Add Category’ to create any custom asset. For EPF/PPF, track their total value in the Wealth Wallet and then mirror the allocation here.
    🔄 Rebalancing
    Use it whenever you review finances – monthly, quarterly, or annually. Simulate rebalancing by sliding assets; the risk gauge updates immediately. Pair it with the Expenses Wallet to free up cash for rebalancing.
    Direct new investments to underweight asset classes. Use the Income Wallet to plan surplus allocation, then see the impact here.
    🎯 Goals & Planning
    The Investment Wallet focuses on current allocation. Combine it with the Pre‑Retirement and Retirement life stages to project growth.
    FIRE requires a balance of growth and stability. Use the Income Wallet to maximise savings, then adjust your equity exposure here.
    💡 Why INDwallet?
    Most trackers only show what you have. INDwallet.com lets you model “what if” scenarios – slide any slider and see allocation, risk, and insights change instantly. It’s a planning tool first, tracker second. Built by India, for India. Explore the full ecosystem at indwallet.com/mywallet.
    Yes – all data stays in your browser. Simply open a new tab or clear sliders to start fresh for another portfolio. INDwallet.com respects your privacy – no login, no tracking.

    Wealth is built, not wished.
    Track it. Grow it. Protect it.

    Use the Income Wallet to fuel assets, the Expenses Wallet to control outflows, and the Wealth Wallet to track net worth. One system. Every layer.

    ✔ No signup required • Works instantly ✔ Takes under 30 seconds 🔒 Data never leaves your browser

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