💵
Cash & Wallets
Everyday spending money with a running balance that always reconciles against your transactions.
Features
Everything WealthS can track
One ledger for your whole financial life — assets, liabilities, and the tools to keep them honest. Here's the full picture.
Account types
🏦
Bank Accounts
Savings & current accounts with full transaction history, transfers and category tracking.
💳
Credit Cards
Limits, statement days and due dates. See exactly what you owe and when the bill lands.
🏦
Deposits, Lending & Loans
FDs and money you've lent earn interest; loans & EMIs amortize properly — with prepayment, foreclosure and late-fee handling. Earned or taken, both directions are first-class.
🤝
Lend & Borrow
Informal IOUs tracked per person by phone number — one card for someone across every group and manual loan.
🎯
Chit Funds
Track Indian chit funds end-to-end: contributions, maturity and payment-due reminders.
🏠
Real Estate
Property valuation history and net equity — link a home loan and WealthS nets it out automatically.
🪙
Commodities — Gold, Silver, SGB & ETF
Physical & digital metal, Sovereign Gold Bonds (with semi-annual interest accrual and maturity reminders) and ETFs, with live spot rates and per-holding tax classification.
📈
Stocks & Mutual Funds
Holdings with cost basis, partial-sell proration, distributions, live prices (Yahoo / AMFI) and LTCG/STCG tax tags — plus a per-holding detail timeline.
Across the whole app
Tools that work everywhere
🌍
Multi-currency & FX
Any currency per account; the dashboard converts to your base currency using manual or live rates.
🧮
True net worth
Assets minus liabilities, recomputed on every change — valuation-based assets like property use their real worth.
🔢
Indian or Western notation
Show K/L/Cr or K/M/B — auto by currency, or force your preference.
🔎
Global search
Find any account, transaction or holding instantly across the whole app.
🌓
Light & dark themes
Follows your system or set it manually — every screen is theme-aware.
🧾
Tax tools
LTCG/STCG auto-classification for investments & commodities, plus SGB maturity reminders.
🔑
Encrypted backup & restore
Export a password-protected backup you control; restore any time, on any device.
🔔
Smart reminders
Chit-fund dues, SGB maturities and recurring splits surface as notifications.
⚡
Offline-first
Everything core works with no connection — your data is local and instant.
See it for yourself
Open WealthS in your browser — nothing to install, nothing to sign up for.