💵
Cash & Bank
Wallets, savings & current accounts with running balances that always reconcile.
Private personal finance
Your entire net worth,
Your entire net worth,
in one private app.
For your
net worth across every account
For your
split expenses with friends
For your
multi-currency transactions
For your
stocks & mutual funds
For your
loans, EMIs & prepayments
For your
chit funds, end-to-end
Offline-first. No ads. No subscription.
- 100% on-device Ledger never leaves your phone
- Works offline No internet needed for tracking
- No tracking Zero ads, zero analytics, zero spying
- Sync privately Across devices, end-to-end
WealthS
Net Worth
₹ 30,90,589
▲ 4.2% this month
Assets
₹ 41.2 L
Liabilities
₹ 10.3 L
🏦HDFC SavingsBank₹ 2,84,500
🪙Gold (SGB + ETF)Commodities₹ 6,10,200
📈Zerodha StocksInvestments₹ 12,40,000
Splits
You're owed
₹ 2,450
across 2 groups · 1 friend
🏝️Goa Trip4 members+ ₹ 1,600
🏠Roommate Rent3 members+ ₹ 600
🧑RahulDirect · 1-on-1− ₹ 250
Add transaction
Amount
$ 14.55
→ ₹ 1,200.00 at base rate
₹ INR
$ USD ✓
€ EUR
£ GBP
د.إ AED
USD → INR · today₹ 82.50
Auto-fetched · ExchangeRate-APILive ✓
🏦HDFC SavingsFrom account · INR₹ 2,84,500
💵Travel USDCash · USD$ 320
Zerodha
Portfolio · MTM
₹ 12,40,000
▲ ₹ 1,820 today · +1.6%
🪨RELIANCE50 shares · Avg ₹ 2,840₹ 1,52,000
💻INFY40 shares · Avg ₹ 1,490₹ 64,400
🟡HDFC Gold ETF180 units₹ 18,420
Home Loan · SBI
Outstanding Principal
₹ 42,18,300
EMI ₹ 38,460 · due 5 Jul
💸Principal paidThis month₹ 8,490
📉Interest paidThis month₹ 29,970
🏠Linked: Mumbai FlatNet equity ₹ 28.8 L₹ 71 L
Margadarsi · 25 mo
Total Chit Value
₹ 5,00,000
▲ Paid 14 of 25 · ₹ 2,80,000 in
📅Next instalment5 Jul · ₹ 20,00011 left
🎯Last winning bidRound 14 · ₹ 4,30,000−14%
🏁MaturityAug 2027 · 11 mo left₹ 5 L
9
Account types
100%
On-device ledger
∞
Multi-currency
₹0
Forever — no subscription
One app for everything
Every part of your money — finally in one place
Most apps track spending. WealthS tracks your whole financial life: what you own, what you owe, and what it's all worth right now.
💳
Credit Cards
Limits, statements and due dates — see what you actually owe at a glance.
🏦
Deposits & Loans
FDs, lending, EMIs & loans with real amortization, prepayment and interest accrual.
🤝
Lend & Borrow
Track money you've lent or borrowed — one card per person, across every group.
🎯
Chit Funds
Indian chit funds with maturity tracking and payment reminders, built in.
🏠
Real Estate
Property valuations and net equity — automatically nets out a linked home loan.
🪙
Gold, Silver & SGB
Physical & digital metal, Sovereign Gold Bonds and ETFs with live spot rates.
📈
Stocks & Mutual Funds
Holdings with cost basis, live prices and per-holding LTCG/STCG tax tags.
🌍
Multi-currency
Hold any currency per account; the dashboard converts to your base, manual or live.
Net WorthTotal
₹ 30,90,589 .00
▲ ₹ 1,24,300 (30 days)
Assets
₹ 41.2 L
Liabilities
₹ 10.3 L
📊Mutual Funds+12.4%₹ 8.9 L
🏠Apartment− Home loan₹ 14.0 L
💳Amex PlatinumDue in 9 days−₹ 48,200
The dashboard
See your true net worth in seconds
Assets up top, liabilities below, everything converted to one currency. Gold and real estate sit right next to your stocks — so the number you see is real.
- Asset & liability breakdown
Grouped by type, recomputed on every transaction — no balance drift. - Private by default
Tap the eye to blur every value. Switch K/L/Cr or K/M/B notation. - Light & dark, beautifully
Try the toggle in the top-right of this page — it's the same theme engine.
Splits
Splitwise-style sharing, built right in
Create trip and home groups, split bills equally or any way you like, and settle up. Every split also lands in your own ledger as a real transaction — funded from any of your accounts.
- Cross-device sync
Everyone in the group sees the same balances in real time. - Privacy-blinded
Friends' phone numbers are hashed before they ever reach the server. - Smart settle-up
Debt simplification reduces who-pays-whom to the fewest transfers.
Broker auto-import
Pull in your Zerodha portfolio automatically
Connect Zerodha Kite and your stocks & mutual funds sync straight into WealthS — sitting alongside your cash, gold and property for one true net worth.
- Bring your own key
Use your own free Kite API credentials — they're stored only on your device. - Serverless & private
The exchange runs device-to-broker. Nothing about your portfolio touches our servers. - Auto-classified
Stocks, mutual funds, gold/silver ETFs and SGBs route to the right account automatically.
🔒 Encrypted on your device
📈RELIANCENSE · 40 qty₹ 1,18,400
📊Parag Parikh FlexiMutual Fund₹ 3,72,900
🪙GOLDBEESGold ETF · auto-routed₹ 88,250
Synced from Zerodha Kite · tap-to-refresh prices
Privacy-first by design
Your money is nobody's business but yours
WealthS is built so your financial data simply has nowhere to leak to.
📱
On-device ledger
Your accounts, transactions and holdings live in a local database on your phone — not in our cloud.
📶
Works offline
Add accounts, log transactions, value your portfolio — all without an internet connection.
🙈
Minimal server data
Only Splits syncs, and there only your own name & phone are stored. Others' numbers are hashed.
🚫
No ads, no tracking
We don't sell data and there are no third-party trackers or advertising SDKs.
🔑
Encrypted backups
Export an encrypted backup file you control — password-protected, restore any time.
💸
No subscription
No premium tier, no paywalled features, no "limits". Just a ledger that's yours.
Anywhere you are
One app, every device
Native on your phone, installable on your laptop. Same data model, same beautiful UI — pick up where you left off.
📱
iOS & Android
Native apps built for speed and offline use.
💻
Installable web app
Add to home screen on Mac, Windows, ChromeOS — any modern browser.
🇮🇳
Built for India
Chit funds, SGBs, AMFI NAVs, lakh/crore and Kite — out of the box. Multi-currency for everyone else.
Take a look
Polished on every screen
A few moments from the app. Real screenshots from iOS — the same screens render on Android and as a PWA on desktop.
Dashboard
Accounts
Splits
Settings
Questions
Frequently asked
Yes. WealthS is free to use — no ads, no subscription, and no premium paywall on core features.
Your full ledger lives on your device in a local SQLite database. It works offline and never leaves your device. Only Splits syncs — and there only your own name and phone are stored on the server; your friends' numbers are blinded (hashed) before sync.
No. The core app is sign-in-free. You only sign in (via a phone OTP) if you want to split expenses with other people and sync across devices.
iOS, Android, and any modern browser as an installable web app (PWA) at my.wealths.app — Mac, Windows, ChromeOS and more.
Yes — auto-import your Zerodha Kite stock and mutual-fund portfolio using your own API key. Your credentials stay on your device; nothing about your broker is stored on our servers.
Start tracking your wealth today
Open WealthS in your browser right now — no install, no signup. Add it to your home screen for the full app.
App Store & Google Play coming soon · Free forever