💵
Cash & Bank
Wallets, savings & current accounts with running balances that always reconcile.
Private personal finance
Your entire net worth,
🤝 A private Splitwise alternative — built in
Your entire net worth,
in one private app.
🤝 A private Splitwise alternative — built in
For your
net worth across every account
For your
split expenses — privately
For your
smart settle-up, simplified
For your
groups, balances & who owes who
For your
stocks & mutual funds
For your
multi-currency, any pairing
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
WealthSNet 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
SplitsYou're owed
₹ 4,200.00
across 3 groups
GROUPS
🏖️Goa Trip4 members+ ₹ 1,000
🏠Flat 4BRent & bills− ₹ 600
🤝Rahulowes you+ ₹ 2,400
Settle UpSmart settle
2 transfers
simplified from 5
🫵You → RahulGoa Trip₹ 1,500
💰Priya → YouFlat 4B₹ 800
Settle ₹ 1,500
Goa TripGroup balance
You're owed ₹ 1,000
4 members · phone-number based
WHO OWES WHO
🫵Youpaid ₹ 6,400settled
🧑Rahulowes the group+ ₹ 1,000
👩Priyaowes the group+ ₹ 400
🧔Samgets back− ₹ 200
＋ Add expense
ZerodhaStocks & Mutual Funds
₹ 12,40,000
▲ + ₹ 94,200 (8.2%)
📈RELIANCE120 @ ₹1,041₹ 1,25,000
📊Parag Parikh FlexiMF₹ 3,40,000
🪙GOLDBEESETF · +5.0%₹ 88,500
📉TCS−2.1%₹ 98,500
Multi-currencyNet worth · base ₹ INR
₹ 30,90,589
5 currencies · live FX
₹ INR
$ USD
£ GBP
د.إ AED
🇺🇸Chase Checking$ USD$ 4,200
🇬🇧Monzo£ GBP£ 1,150
1 USD₹ 86.42
9
Account types
100%
On-device ledger
∞
Multi-currency
₹0
Forever — no subscription
Everything adds up
Your whole financial life — in one number
Cash, gold, stocks, property, even what friends owe you. Scroll and watch your true net worth assemble, account by account.
Add your first account →
Scrolls forward to add, back to remove — the number always matches.
Net WorthTotal net worth
₹ 30,90,589
▲ across 6 accounts
🏦Cash & Bank2 accounts₹ 2,84,500
🪙Gold — SGB & ETFCommodities₹ 6,10,200
📈Stocks & MFZerodha₹ 12,40,000
🏠ApartmentNet equity₹ 9,00,000
🤝Friends owe youSPLITS3 friends · settled fast₹ 1,04,089
💳Amex PlatinumDue in 9 days−₹ 48,200
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.
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 — the same screens render on iOS, Android and as a PWA on desktop.
WWealthS
Net Worth
₹ 30,90,589 .00
▲ 4.2% this month
Assets
₹ 41.2 L
Liabilities
₹ 10.3 L
🏦HDFC SavingsBank₹ 2,84,500
📈Zerodha StocksInvestments₹ 12,40,000
Dashboard
Accounts
ASSETS · ₹ 41.2 L
🏦HDFC SavingsBank · INR₹ 2,84,500
🪙Gold — SGB & ETFCommodities₹ 6,10,200
📈Zerodha StocksInvestments₹ 12,40,000
🏠ApartmentReal estate₹ 14,00,000
LIABILITIES · ₹ 10.3 L
💳Amex PlatinumDue in 9 days−₹ 48,200
Accounts
Splits
You're owed
₹ 4,200.00
across 3 groups
GROUPS
🏖️Goa Trip4 members+ ₹ 1,000
🏠Flat 4BRent & bills− ₹ 600
🤝Rahulowes you+ ₹ 2,400
Splits
Insights
📈Net Worth Trendlast 12 months+2.4%
💸CashflowIn ₹1.2L · Out ₹86kJune
🍔Spendingthis month₹ 42,300
🥧Asset Allocation5 classes→
Insights
✕Add Transaction✓
EXPENSEINCOMETRANSFER
₹ 450.00
💵Cash WalletAccount›
🍔Eating OutCategory›
123456789.0⌫
Add Transaction
Zerodha
Stocks & Mutual Funds
₹ 12,40,000
▲ + ₹ 94,200 (8.2%)
📈RELIANCE120 @ ₹1,041₹ 1,25,000
📊Parag Parikh FlexiMF₹ 3,40,000
🪙GOLDBEESETF · +5.0%₹ 88,500
📉TCS−2.1%₹ 98,500
Holdings
Settle Up
Smart settle
2 transfers
simplified from 5
🫵You → RahulGoa Trip₹ 1,500
💰Priya → YouFlat 4B₹ 800
Settle ₹ 1,500
Settle Up
Settings
APPEARANCE
SystemLightDark
BASE CONFIGURATIONS
🎨AppearanceDark›
🔢Number FormatIndian (L, Cr)›
💱Base Currency₹ INR›
🔄Sync Across DevicesOn›
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