Wealth Wallet – Track Net Worth & Assets | INDwallet
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🏦 Net Worth · Assets · Liabilities

Wealth Wallet.
Know your net worth.

Not a budgeting app. India’s first financial operating system. Track your assets, liabilities, and net worth in real-time. See your wealth score, allocation, and get personalised insights to build lasting wealth.

📊 Track my wealth 📈 Investment Wallet →
✔ 100% Free ✔ No Data Stored ✔ India-First ⚡ Takes under 30 seconds 🔒 Data stays in your browser
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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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Your wealth breakdownAsset allocation & net worth snapshot
🍩Asset allocation
📊Assets vs Liabilities
Analysis: Your net worth is — with total assets of — and total debt of —. Largest asset: — at —%. Debt-to-asset: —% — —. Wealth 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.

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Our Wealth Story: Arjun & Priya

Real‑time net worth snapshot · Hyderabad, India
Live

Hi, we’re Arjun (42, IT manager) and Priya (39, doctor). We’re tracking our complete net worth in Hyderabad — assets across equity, real estate, gold, and FDs, with a focus on reducing debt and building 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 total debt of —. Our largest holding is —, and our wealth score is —.

We use the sliders to model “what if” scenarios — for example, paying down our home loan faster or adding more to equity. The Wealth Wallet helps us stay aligned with our goal of financial independence by 55. We also track our monthly cash flow in the Income Wallet and our investment allocation in the Investment Wallet.

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Wealth building best practices
  • Diversify: Aim for at least 5 asset types. You have 5 active.
  • Largest asset: Real Estate (42%) — keep below 50% of total.
  • Debt ratio: 28% of assets — keep below 30%.
  • Emergency fund: Cash+FD currently ₹5,50,000 — aim for 3‑6 months expenses.
  • Gold allocation: 12% — ideal range 5‑15%.
  • Wealth health score: 72/100 — Solid Foundation.
  • Review quarterly: Rebalance when any asset deviates >5% from target.
  • Track net worth monthly: Use the Wealth Wallet to monitor growth.
  • Reduce high-interest debt: Focus on credit card and personal loan repayment first.
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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 Investment Wallet to accelerate growth. One system. Every layer.

💰 Open Income Wallet 📈 Investment Wallet →
✔ No signup required • Works instantly ✔ Takes under 30 seconds 🔒 Data never leaves your browser

Frequently asked questions

net worth by ageasset allocationportfolio diversificationdebt to asset ratioemergency fundgold in portfolio
📈 Tracking Assets & Building Wealth
Yes — you can add absolutely any asset type. The Wealth Wallet starts with built‑in categories, but clicking “Add asset” lets you create unlimited custom categories — from crypto and REITs to art, jewellery, or private business holdings. Just name it, set the slider, and the pie chart instantly updates.
Your net worth is simply total assets minus total liabilities. Assets include everything you own with financial value — equity, mutual funds, real estate, gold, bank balances, fixed deposits, crypto, and PPF. Liabilities are everything you owe — home loans, car loans, credit card balances, personal loans, and other debts.
A healthy debt‑to‑asset ratio is typically below 30%. The Wealth Wallet’s Wealth Health meter monitors this — if your total liabilities exceed 50% of total assets, you’ll see a clear warning. High‑interest debt (credit cards, personal loans) should be prioritised first.
🎯 Wealth Building Strategies
A commonly cited formula is: target net worth = (annual income × age) ÷ 10. For example, if you earn ₹12L annually at age 30, your target net worth would be around ₹36L. This is just a guideline — your actual number depends on your savings rate, investment returns, and lifestyle.
Most financial advisors recommend keeping gold between 5% and 15% of your total asset portfolio. The Wealth Wallet’s pie chart shows your current gold allocation — if it exceeds 20%, the insight box will flag this for rebalancing.
Aim for 3–6 months of essential monthly expenses in liquid assets like Cash and Fixed Deposits. The Wealth Wallet’s best practices panel dynamically calculates your current liquid holdings and shows whether they meet the 20%‑of‑total‑assets benchmark.
🔒 Privacy & Integration
No — INDwallet operates entirely inside your browser. Every slider adjustment, net worth calculation, and chart rendering happens locally on your device. No asset values, liability details, or personal financial data are ever uploaded to a server. When you close the browser tab, all your numbers disappear.
The four wallets form an integrated system: the Income Wallet tracks earnings, the Expenses Wallet monitors spending, the Investment Wallet manages growth, and the Wealth Wallet (this page) consolidates everything into net worth. Use them together for a complete financial operating system.

🧭 Explore the INDwallet Ecosystem

Build your complete financial life with four connected wallets.

💰IncomeTrack streamsCash Flow 🧾ExpensesOptimise spendBudgeting 📈InvestmentSIP & allocationAsset Allocation 🏦WealthNet worth & FINet Worth

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Use the wallets in your browser for instant, zero‑footprint planning. Or open the INDwallet App for goals, history, and cross‑device access. Either way — free, private, built for India.

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Disclaimer: All information and tools on INDwallet are provided for educational and informational purposes only. This platform does not provide financial, investment, tax, or legal advice. Past performance does not guarantee future results. INDwallet is not a registered financial advisor, broker, investment advisor, or bank. We do not hold, manage, or have access to any user funds. Users should independently verify information and consult a qualified professional before making any financial decisions. By using this site, you accept full responsibility for your decisions.

Copyright © 2026 — INDwallet — India’s First Structured Wallet Intelligence Platform. Updated September 7, 2026.