Family Net Worth Tracker
for India

The simplest way to track your family's complete financial picture — without sharing bank credentials or connecting accounts. Know your net worth. Track your growth.

Finworthly dashboard showing a family net worth of Rs 2.15 Cr, with total assets, liabilities, invested amount and investment gain, a per-person breakdown for three family members, and asset categories with percentage shares — The dashboard, with sample figures. Your numbers stay yours.

Finworthly holdings page listing 17 holdings grouped by family member and category, each tagged as an asset or a liability, with filter pills per person — Every holding, grouped by person and category

Finworthly people page showing three household members with their relationship and email address, used for shared household access — Add family members, each updating only their own holdings

Why another net worth tracking app?

Most net worth trackers want your bank logins, account access, and financial permissions. That's unreasonable for a simple question:

"How much am I worth, and how is it changing?"

Finworthly answers this with simple manual entries. You already know your balances · just enter them once a week or month. No bank integrations. No complex setup. No privacy concerns.

How it works

Sign in with Google

One click. No account creation. No passwords to remember.

Add your assets & loans

Mutual funds, stocks, FDs, gold, property, vehicles, loans · add what you own and owe.

See your net worth

Instant dashboard with family net worth, growth trends, and investment gains.

Everything you need. Nothing you don't.

Family net worth

Track assets and liabilities for every family member · spouse, parents, HUF · all in one household.

Investment tracking

Track invested amount vs current value for mutual funds, stocks, and crypto. See real gains, not inflated numbers.

Growth analytics

Month-over-month net worth trend with percentage growth. See how your wealth changes over time.

No bank access needed

Fully manual entry. We never ask for bank credentials, account numbers, or financial permissions.

Individual breakdown

See each family member's contribution to the household net worth with asset and liability split.

Asset categories

22 built-in types · Mutual Funds, Stocks, FDs, Gold, EPF, PPF, NPS, Real Estate, Vehicles, and more.

Bulk update

Update all your holdings at once. Pre-filled with last known values · just change what's changed.

Family sharing

Add a family member's Gmail. They can sign in and update their own holdings independently.

CSV export

Download your complete net worth snapshot as a CSV file anytime.

Dark & light theme

Easy on the eyes at any time of day. Your preference is remembered.

Custom categories

Need a category that doesn't exist? Create your own asset or liability types.

Mobile friendly

Works on any device. Designed for quick updates on the go.

Track all Indian financial instruments

From everyday savings to long-term investments, Finworthly supports all major Indian financial instruments.

Mutual FundsStocksFixed DepositsGoldReal EstateEPFPPFNPSSSYBank AccountsVehiclesCryptoBondsNCDsInsuranceHome LoansCar LoansPersonal LoansCredit Cards

Built for real families

Individuals

Track your personal assets, investments, and loans in one place. See your net worth grow month over month.

Families

Add spouse, parents, and children. See the complete household financial picture with individual breakdowns.

HUF & joint assets

Track family-owned assets under a separate entity. Keep personal and family finances organized.

What belongs in your net worth

Net worth is everything you own minus everything you owe. The arithmetic is trivial; the hard part is remembering the whole list, and in India the list is specific.

Assets to include

Market-linked — mutual funds, direct equity, ETFs, anything in a demat account.
Retirement — EPF, VPF, PPF, NPS, vested gratuity. Usually the largest line for salaried households, and the one most often left out.
Small savings — Sukanya Samriddhi, NSC, KVP, Post Office schemes, SCSS.
Deposits — fixed and recurring, including banks you no longer use.
Gold — jewellery, coins, Sovereign Gold Bonds, digital gold, gold ETFs.
Property — self-occupied, let out, under construction, plots, ancestral land.
Insurance with surrender value — endowment, money-back, ULIP. Pure term cover is not an asset.
Everything else — unlisted shares, ESOPs, money lent to relatives, vehicles, business capital, HUF assets.

Liabilities to subtract

Home loan, loan against property, and any top-up balance.
Car, personal, education and gold loans.
Credit card outstanding, including anything converted to EMI.
Loans against securities, PPF or insurance policies.
Informal borrowing from family, which counts even though no institution recorded it.

What is not an asset

Two things get miscounted often enough to state plainly. Your salary is income, not a holding — it changes your net worth through what you keep, but it is not a line on the balance sheet. And term insurance cover is not an asset, because it pays out only on a claim.

Net worth tracker, portfolio tracker, or budgeting app?

These three get confused constantly, and they answer different questions.

Budgeting app

Tracks money moving through your accounts — what came in, what went out, what category it fell into. It is about cash flow this month.

Portfolio tracker

Follows market-linked investments and measures returns. It will tell you your equity is up 14%. It will not tell you net worth fell because you drew down a car loan, and it usually has no concept of your flat or your gold.

Net worth tracker

Covers the entire balance sheet, including assets with no return and the debts set against them. It answers a slower question: is the household getting wealthier, and because of what? Finworthly is this kind.

Want the one-off figure rather than a series? Use the net worth calculator — no sign-up needed.

Frequently asked questions

What is Finworthly?

Finworthly is a net worth tracker for individuals and families in India. It lets you manually track all your assets (mutual funds, stocks, FDs, gold, property, EPF, PPF, NPS) and liabilities (home loans, car loans, credit cards) to see your complete financial picture.

Does Finworthly need my bank login or account access?

No. Finworthly is 100% manual entry. You never need to share bank credentials, account numbers, or any financial permissions. You simply enter your asset values yourself.

Can I track my family's net worth?

Yes. You can add family members (spouse, parents, children, HUF) and track their assets and liabilities separately. The dashboard shows both individual and total family net worth.

What types of assets can I track?

Finworthly supports 22+ asset types including Mutual Funds, Stocks, Fixed Deposits, Gold, Real Estate, Vehicles, EPF, PPF, NPS, SSY, Insurance, Crypto, Bank Accounts, Bonds, NCDs, and more. You can also create custom categories.

Can family members update their own holdings?

Yes. Add a family member's Gmail address and they can sign in independently to view the household dashboard and update their own holdings. They cannot modify other members' data.

How is net worth calculated?

Net Worth = Total Assets minus Total Liabilities. Finworthly uses the latest known value of each asset and liability to calculate your current net worth. Investment gains are calculated separately by comparing current value to invested amount.

How to track net worth without bank access?

With Finworthly, you manually enter the current value of each asset and liability. Check your bank app, mutual fund statement, or demat account for latest values and enter them in Finworthly. Update weekly or monthly to track your net worth trend over time.

Should I include EPF and PPF in my net worth?

Yes. EPF, PPF, NPS, and other retirement funds are assets you own and should be included in your net worth. Finworthly supports all these categories. Including them gives you a complete picture of your wealth, especially for long-term financial planning.

How to include real estate in net worth calculation?

Add your property as a Real Estate asset in Finworthly with its current market value. Update the value periodically based on local property rates. If you have a home loan, add that as a liability. Your net worth will reflect the equity (property value minus loan balance).

Is Finworthly the best net worth tracker for Indian families?

Finworthly is built specifically for Indian families. It supports all Indian financial instruments (EPF, PPF, NPS, SSY, FDs, gold), displays values in Crore and Lakh format, and lets you track multiple family members in one household. No bank login needed — your data stays private.

Is my salary part of my net worth?

No. Salary is income, not an asset. It raises your net worth only through what you keep — the balance in your account, the SIP you funded, the loan principal you repaid. A high earner who spends everything can have a lower net worth than a modest earner who has been saving for a decade.

How often should I update it?

Quarterly is enough for most households, monthly if you enjoy the detail. Market values move daily, but a net worth trend does not become more truthful by being sampled more often — it just gets noisier and starts to feel like a chore, which is how trackers get abandoned.

How do I value property or jewellery I am not selling?

Pick a defensible basis and stay consistent, because the trend matters more than the absolute figure. Circle rate or a recent comparable sale in the same building works for property; the current gold rate applied to weight, less making charges, works for jewellery. Changing method every year makes the series meaningless, which is a worse error than being somewhat off in a consistent direction.

What is the difference between this and a portfolio tracker?

A portfolio tracker measures returns on market-linked investments. A net worth tracker covers the whole balance sheet, including things that produce no return — your home, your gold — and the debts set against them. The two answer different questions and most households want both.

Can I track my parents' and children's assets too?

Yes, and that is the point of a household tracker. Each family member is a person with their own holdings, and the dashboard shows the combined total alongside each person's share. They do not need their own login unless they want to update their own entries.

Where is my data stored, and can I get it out?

Your entries are stored in Finworthly's own database, not with any bank or aggregator, and nothing is fetched from your accounts because nothing is connected to them. You can export everything to CSV whenever you like, so the history is yours rather than something you lose by leaving.

Is there an official benchmark for net worth by age in India?

There is no official by-age series. The nearest authoritative source is the NSO All India Debt and Investment Survey, whose most recent published figures are as on 30 June 2018. Most by-age numbers circulating online are imported from US data and do not describe Indian households.

Start tracking your net worth today

Takes 5 minutes to set up. No bank access needed.

Family Net Worth Trackerfor India