Wealth Wallet.
Know your net worth.

Yes — you can add absolutely any asset type. The Wealth Wallet starts with 11 built‑in categories (Equity, Mutual Funds, Real Estate, Gold, Fixed Deposits, Cash, and more), 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. Pair this with the Income Wallet to see how your monthly earnings feed into each asset category over time.

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, bonds, crypto, and even your PPF account. Liabilities are everything you owe — home loans, car loans, credit card balances, personal loans, and other debts. The Wealth Wallet calculates this live as you adjust each slider, giving you an instant net worth figure. For a complete picture, also track your monthly cash flow in the Income Wallet and Expenses Wallet.

A healthy debt‑to‑asset ratio is typically below 30%. The Wealth Wallet’s Wealth Health meter and insight box continuously monitor 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. Use the EMI Calculator to model prepayment scenarios and the Expenses Wallet to track your monthly EMI outflows.

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. The Wealth Wallet shows your live net worth as you adjust all asset and liability sliders, so you can see instantly where you stand. For income tracking and growth projections, visit the Income Wallet.

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 as a percentage of total assets — if it exceeds 20%, the insight box will flag this for rebalancing. Gold provides a hedge against inflation and currency depreciation, but over‑allocation reduces growth potential. For deeper asset class analysis, explore the Investment Wallet.

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 (Cash + FDs) and shows whether they meet the 20%‑of‑total‑assets benchmark. Use the Emergency Fund Calculator to find your exact target and the Expenses Wallet to determine your monthly baseline.

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, stored in a database, or shared with third parties. When you close the browser tab, all your numbers disappear. Read our full Privacy Policy for more details.

Prioritise high‑interest debt (credit cards, personal loans) first, then move to medium‑interest loans (car loans, education loans), and finally low‑interest, tax‑advantaged debt like home loans. Use the EMI Calculator to see the impact of prepayments and the Expenses Wallet to monitor your monthly EMI outflow as a percentage of income.

Aim for at least 5–7 distinct asset categories. The Wealth Wallet’s Wealth Health score rewards diversity — every active asset category with a value above zero boosts your score, while concentration in a single asset reduces it. Adding new categories like Bonds, REITs, PPF, or Commodities can improve your diversification. Review the pie chart regularly and rebalance when any single asset exceeds 50% of your total portfolio.

Review your portfolio quarterly, or whenever any asset class deviates more than 5 percentage points from your target allocation. The Wealth Wallet’s pie chart makes it easy to visually spot drift — for example, if equity was 40% of your portfolio and has grown to 48% due to a bull market, it’s time to rebalance. Use the Investment Wallet for detailed SIP and allocation planning.

The four wallets form an integrated system: the Income Wallet tracks all your earnings and shows diversification across income streams. The Expenses Wallet monitors monthly outflows and helps control spending. The Investment Wallet manages your SIPs, asset allocation, and long‑term growth. The Wealth Wallet (this page) consolidates everything into net worth, showing how your income, savings, and investments translate into actual wealth over time. Use them together for a complete financial operating system.