Wealth Wallet – Track Net Worth & Assets | INDwallet

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🏦 Net Worth · Assets · Liabilities

Wealth Wallet – Know your net worth

Track assets, liabilities, and net worth in real time. See your wealth score, allocation, and get personalised insights. All in your browser — no signup, no tracking, completely private.

📊 Open Live Dashboard 🎯 Check Wallet Score 🧠 Decision Engine

✔ 100% free ✔ No data stored ✔ India-first ⚡ Under 30 seconds

1. Tune your assets & liabilities
2. Live wealth dashboard
3. Five rules-based insights
4. Wealth score
5. Real household story
6. Wealth best practices
7. Articles & insights
8. Browser vs App mode
9. Frequently asked questions

Step 1 · Interactive

Tune your assets & liabilities

Your net worth is one number, but it’s built from ten. Equity, funds, real estate, gold, FDs on one side; home, car, credit card, personal, education loans on the other. Drag the sliders below to see your net worth recalculate live.

5 assets + 5 liabilities · ₹0 to ₹50L each
Live recalculation — nothing stored
Read: Net worth calculator India

🎛️

Your assets & liabilities 10 sliders · ₹ per portfolio · asset colours drive the chart

You’ve tuned your net worth. Ready to see what to fix first? Open the Decision Engine →

Step 2 · Visualise

Your live wealth dashboard

₹34.7 lakh of assets and ₹14 lakh of debt reads healthy until you notice 35% of assets sit in one property. The doughnut shows allocation, the bar compares assets, liabilities and net worth side by side. Together they answer: how much is yours, and how balanced.

Doughnut — percentage share per asset class
Bar — Assets vs Liabilities vs Net Worth
Cross-check with your Wallet Score

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🏦 Net Worth

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📈 Total Assets

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📉 Total Debt

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💡 Wealth Score

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Asset Allocation

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Assets vs Liabilities

Analysis: Your net worth is — with total assets of — and total debt of —. Real Estate is your largest holding at 35%. Debt-to-asset: 28% — healthy. Wealth Score: 72.

Want a snapshot for your records or CA? Download the PDF →

Step 3 · Read the signals

Five rules-based insights

Charts show the picture. Insights explain what to do. Five rules run silently behind your sliders — concentration, asset count, debt ratio, smallest-asset opportunity, wealth grade. Each carries a status so you can scan in ten seconds.

Concentration — top asset below 50%?
Assets — at least three active?
Debt — below 30% of assets?

Step 4 · Score

Wealth score

From 0 to 100, blending three factors: how many assets are active, how dominant the largest one is, and how much debt sits against your assets. Zero assets scores zero. Five+ assets with none above 40% and debt under 30% pushes into the high 80s. Above 60 is healthy. Below 40 is urgent.

0–100, higher is more resilient
Above 80 — excellent foundation
Feeds the overall Wallet Score

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Wealth ScoreYour financial health

72 /100 Solid Foundation

Your net worth is growing. Focus on reducing high-interest debt and diversifying assets.

Step 5 · Real household

Our wealth story

Real families plan in the kitchen, not on spreadsheets. Arjun and Priya live in Hyderabad, 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 financial heads
Uses Wealth Wallet monthly
Read: Find your FI number

👥

Arjun & Priya · Hyderabad, India

Real‑time net worth snapshot

Live

Hi, we’re Arjun (42, IT manager) and Priya (39, doctor). We use the sliders to understand our net worth and build generational wealth.

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Net Worth

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Total Assets

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Total Debt

Right now our net worth is — with total assets of — and debt of —. Top holding: — contributing —. Wealth score: — — —. Track income in the Income Wallet and investments in the Investment Wallet.

Step 6 · Playbook

Wealth best practices

Nine rules we wish every earner 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, debt ratio warns.

5+ assets, top below 50%
Debt 0–30% of total assets
Tax check via Tax Simulator

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Your personalised wealth rulesReflects the sliders above

You’ve read the playbook. Ready to turn these rules into one action? Open the Decision Engine →

Step 7 · Read more

Wealth & net worth articles

Six guides covering what shows up most in our inbox: how to calculate net worth, find your FI number, plan retirement corpus, size an emergency fund, build wealth strategy, and plan insurance. Short, India-first, jargon-free.

Six India-first guides
Covers net worth, FI, retirement
Includes the wallet-system explainer

Net Worth

Net Worth Calculator India (2026)

Know where you stand, build from there.

Read → FI

Financial Independence Number

Calculate your freedom number, India-style.

Read → Retirement

Retirement Corpus India (2026)

How much do you actually need?

Read → Emergency

Emergency Fund Formula India

Your financial cushion, calculated exactly.

Read → Wealth

Wealth Building Strategy India

From salary to crorepati — the system.

Read → Protection

Insurance 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.

🛡️Browser mode

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 →

📱App mode · Base44

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.

Step 8 · Answers

Frequently asked questions

🏦 Net worth basics

How do I calculate my net worth correctly?

Net worth = total assets − total liabilities. Assets: equity, mutual funds, real estate, gold, FDs, PPF, crypto. Liabilities: home loan, car loan, credit cards, personal loans, education loans. Use the Wealth Wallet sliders to model it live.

What is a good net worth by age in India?

A rough formula: target net worth ≈ (annual income × age) ÷ 10. If you earn ₹12L at 30, target ≈ ₹36L. Actual depends on savings rate, returns, lifestyle.

What is a healthy debt-to-asset ratio?

Under 30% is healthy. If liabilities exceed 50% of assets, the insight box will flag it. Prioritise high-interest debt (credit cards, personal loans) first.

🥇 Allocation & safety

What percentage should be in gold?

5–15% of total assets is a common range. The doughnut chart shows your current gold share; above 20% the insight flags rebalancing.

How much should I keep as an emergency fund?

3–6 months of essential expenses in liquid assets — Cash + FDs. The practices panel tracks your current Fixed Deposits against this benchmark.

How often should I rebalance?

Quarterly. Rebalance any asset that deviates more than 5% from its target weight.

🔒 Privacy

Is my financial data stored anywhere?

No — INDwallet runs entirely in your browser. Every slider, net worth calculation, and chart render happens locally. Close the tab and the numbers disappear. Read our Privacy Policy.

How do the four wallets connect?

The Income Wallet tracks earnings, Expenses monitors spending, Investment grows assets, and Wealth (this page) consolidates everything into net worth.

The wallet intelligence loop

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.

🧠 Open Decision Engine 📊 Live Dashboard 🖨️ Download PDF

Free · Browser: zero data · App on Base44: strict controls