⚖️
🏦
📈
🎯
Net Worth
₹22.0L
Total
Assets
₹35.4L
+12%
Liabilities
₹13.4L
-8%
Wealth Health
78
Score
Wealth Wallet
Net worth · Assets · Liabilities
Live Net Worth · Asset Allocation · Debt Tracker
Wealth Wallet.
Know your net worth.
Track 11+ asset classes and any debt. Adjust sliders — see net worth, wealth score, and allocation charts update instantly. No login, completely private.
✔ 100% Free
✔ No Data Stored
✔ India-First
✔ Real Charts
🏦 Net Worth
₹22.0L
Total wealth
📈 Total Assets
₹35.4L
Diversified
📉 Total Debt
₹13.4L
Keep low
💡 Wealth Score
78
▲ Good
Live Wealth Tracker
Assets & Liabilities
Add or remove categories. Slide to see net worth, allocation and AI insights update in real time.
Asset categoriesAdd / remove / slide value
Adjust sliders → asset allocation updates.
Asset allocation
Wealth health meter
Assets vs Liabilities
📉 Liabilities — debts
Debt categoriesTrack what you owe
Reduce high‑interest debt first.
Debt breakdown
Your wealth storyReal‑time snapshot
Your complete financial journey
Use this connected ecosystem to build, track, and optimise your wealth. Follow the loop:
⬆️ UP (Pillar)
My Wallet Hub — central dashboard
My Wallet Hub — central dashboard
⬇️ DOWN (Tools)
FD Calculator · RD Calculator · Retirement Simulator · Wallet Score · Pre‑Retirement Stage
FD Calculator · RD Calculator · Retirement Simulator · Wallet Score · Pre‑Retirement Stage
💡 Smart flow: Start with Wealth Wallet → adjust assets/debts → check your Wealth Score → explore FD/RD calculators to park surplus → use Retirement Simulator to plan long‑term → return to Income/Expenses Wallets to fuel further growth.
Best practices for wealth building
- Diversify: Aim for at least 5 asset types. You have 0 active.
- Largest asset: none — keep below 50% of assets.
- Debt ratio: 0% of assets — keep below 30%.
- Emergency fund: Cash+FD currently 0 — aim for 3‑6 months expenses.
- Gold allocation: 0% — ideal range 5‑15%.
- Equity exposure: 0% — for long‑term growth, 40‑60% may suit.
- Wealth health score: 0% — needs work.
💡 Use the INDwallet ecosystem to grow further
- Track income sources → Income Wallet
- Optimise spending → Expenses Wallet
- Allocate investments → Investment Wallet
- Compare FD vs RD → FD Calculator
🔍 Wealth Wallet insights
net worth
asset allocation
diversification
debt ratio
emergency fund
gold allocation
equity exposure
wealth health
rebalancing
liability
📈 Asset & Debt Insights
“Can I really add any asset type?” +
Yes! Start with 11 categories, click “➕ Add asset” — name it, colour it, slide it. No restrictions. INDwallet.com makes portfolio visualisation effortless. Pair with the Income Wallet to see how your earnings fuel these assets.
“How do I know if debt is too high?” +
Wealth Health meter & insight boxes warn if liabilities exceed 50% of assets. Real‑time feedback helps you stay on track. Use the Expenses Wallet to monitor EMI and spending that contribute to debt.
🎯 Wealth Building Strategies
What is a good net worth by age? (India) +
You can simulate: net worth = annual income × age / 10. Our Wealth Wallet instantly shows net worth as you adjust sliders – it’s the fastest way to benchmark. For income projections, visit the Income Wallet.
How much gold should I have? +
Experts suggest 5–15%. Add gold, slide until allocation feels right – pie chart updates, insight flags >20%. For a deeper dive into asset classes, check the Investment Wallet.
Emergency fund: how much cash? +
3–6 months expenses. Insight box suggests if liquid assets (cash+FD) fall below 20% of total assets. Build yours with the Expenses Wallet and track progress here.
🔒 Privacy & Tool Usage
“Is my data private?” +
INDwallet runs entirely in your browser. Zero server, zero tracking. Your numbers disappear when you close the tab – that’s why thousands trust us. Read our Privacy Policy.
How can AI help during a crash? +
It flags concentration (e.g., “Equity is 68% of assets, consider adding fixed income”) using real‑time sliders. For rebalancing ideas, explore the Investment Wallet.
What is “wealth health” calculation? +
Diversity (up to 50%) + low‑debt score (up to 50%). AI explains why it changes. The meter gives you a single number to track progress. For more on diversification, see the Income Wallet.
Simulate a new loan? +
Add liability, slide value – meter drops, insight warns if debt/assets >50%. Purely visual “what‑if”. Then check your Expenses Wallet to see how EMI fits your budget.
Explore the INDwallet Ecosystem
INDwallet – private · free · India-first