Absolutely! INDwallet’s Wealth Wallet lets you add any asset with a click. We start with 11 popular categories (including Crypto, REITs, Commodities) but you can add more – name it, colour it, slide it. It’s your personal balance sheet, no restrictions.

Our Wealth Health meter blends debt ratio with diversification. The insight box warns if liabilities exceed 50% of assets. Plus the wealth composition chart shows assets vs liabilities side by side. Many redditors loved seeing that instant visual.

INDwallet runs entirely in your browser. All sliders, charts, and categories stay on your device – zero server uploads. You can even use it offline. That’s the privacy the community demanded.

While INDwallet doesn’t store data, you can benchmark using the sliders. A common rule: net worth = annual income × age / 10. Our Wealth Wallet instantly shows you net worth as you adjust assets and liabilities – perfect for “what if” scenarios.

Most searched query! Experts suggest 5–15% in gold. With INDwallet, add Gold as an asset and slide until the allocation feels right – the pie chart updates live. Our insight box even flags if gold exceeds 20%.

Typically 3–6 months of expenses. In Wealth Wallet, keep a “Cash” asset. The insight box will suggest if liquid assets (cash+FD) fall below 20% of total assets. That’s a feature users search for but rarely find.

Investment wallets (like INDwallet) focus on long-term holdings; trading apps are for short-term bets. Our Wealth Wallet helps you visualise the “holding” side – assets you own, not speculate on. And with zero latency, you can simulate rebalancing without risking real money.

INDwallet’s AI insights (in the boxes below charts) analyse your diversity and debt ratio. If one asset dominates (>50%) or debt spikes, it nudges you. Unlike generic advice, our AI uses your real-time sliders to give personalised warnings – like “Equity is 68% of assets, consider adding fixed income.”

Great question! The Wealth Health meter combines: 1) asset diversity (how many types you hold, up to 50% of score) and 2) debt-to-asset ratio (low debt = up to 50%). The AI explains why your score changes – e.g., “you added a new asset, diversity improved.” It’s like a financial coach in your browser.

Absolutely. Add a liability (e.g., “Car Loan”) with the “+ Add debt” button. Slide its value – instantly the wealth composition chart shows higher liabilities, the meter may drop, and the AI insight warns if debt/assets exceed 50%. Perfect for “what if I take a loan” scenarios, all without affecting your credit score.