About Finworthly
A small tool that answers one question: how much am I worth, and how is it changing?
Why this exists
Most personal finance apps in India begin by asking for something significant — your bank login, your Account Aggregator consent, read access to your demat and mutual fund holdings. In exchange they offer automation.
That is a reasonable trade for some people. It is a poor trade if all you actually want is a number and a trend line.
Finworthly takes the other side of that trade. It asks for nothing except a sign-in, and in return it does no automation at all. You type in what you own and what you owe, roughly once a month, and it keeps the history. You already know your balances. Entering them takes a few minutes and requires handing over no permissions to anyone.
What it deliberately does not do
- No bank connections. There is no integration to compromise, because there is no integration.
- No Account Aggregator. No consent artefacts, no fetch requests, no third-party data flows.
- No advice. It will not tell you to rebalance, or suggest a fund, or score your portfolio. It does arithmetic on numbers you supply.
- No selling your data. Your figures are shown to you and to household members you explicitly invite. That is the complete list.
What it does do
It is built specifically for how Indian households actually hold money — which is to say, across a lot of instrument types and often across several people:
- Tracks EPF, PPF, NPS, SSY, fixed deposits, mutual funds, stocks, gold, real estate, vehicles, and loans, alongside the generic categories
- Handles a household rather than an individual — spouse, parents, children, HUF — with a per-person view and a combined total
- Lets family members sign in with their own Google account and update only their own holdings
- Records cost basis where you want it, so investment gain is separated from mere accumulation
- Displays values in Lakhs and Crores, because that is how the numbers are actually discussed
- Keeps a dated history, so the trend is real rather than reconstructed
Who builds it
Malay Mehta
I am a software architect working on cloud and platform engineering, distributed systems, and enterprise architecture. I started as a self-taught developer writing Java, JSP, Servlets and MySQL, and moved into leading architecture and platform work. Alongside that I mentor engineers — around 1,000 verified mentoring hours and 700+ sessions to date.
Finworthly is a personal project, not a company. I built it because I wanted this tool for my own family and did not want to hand a startup my bank credentials to get it. It is maintained in my own time.
An honest word on limitations
Manual entry is the product's strength and its weakness. Nothing is verified. If you enter a wrong number, the dashboard will show you a wrong net worth with complete confidence. If you stop updating, the trend quietly goes stale. The tool is a ledger, not an oracle.
It also runs on modest infrastructure as a side project. There is no uptime guarantee and no support team — just an email address that reaches one person. The CSV export in Settings exists precisely so you are never locked in.
Cost
Finworthly is free to use today. Pricing has not been decided, and if that changes you will hear about it before it applies to you. See the terms for the precise wording.
Get in touch
Bugs, feature requests, or questions about how your data is handled — email hello@malaymehta.com. It reaches me directly.
Try Finworthly