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Family wealth, tracked & projected

Your family's entire wealth.
One screen.

Stocks, mutual funds, gold, PPF, FDs, property and loans — tracked exactly,projected decades ahead. For you, your spouse and your parents, in one login.

Start ProjectionWealth free

No PAN · No broker linking · No OTPs. Seriously!

ProjectionWealthAll portfoliosPapaSearch…⌘KH

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Hardikself
Jeegnaspouse
Papafather
Riyachild
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DashboardHoldingsAssetsTransactionsSIP PlansLiabilitiesGoalsPlansTax PlannerSupportSettings

Welcome back, Hardik

Here's how your wealth looks today, 16 July 2026.

Net Worth

₹1.75Cr₹73.77L

Total Invested

₹1.87Cr₹65.32L

8 asset classes · 27 holdings4 asset classes · 18 holdings

Total Liabilities

₹39.13L₹0

1 loan · 8.5% avg rateNo active loans

Day Change

——

Awaiting today's price/NAV updateAwaiting today's price/NAV update

Total Returns

+₹26.54L+₹8.45L

+14.18%+12.94%

Portfolio XIRR

+5.37%+2.5%

Holdings +12.15% · Assets +3%Holdings +3.72% · Assets +1.59%

P&L This Year

+₹7.65L+₹1.45L

Realised ₹0 · Unrealised +₹7.65LRealised ₹0 · Unrealised +₹1.45L

Monthly SIP

₹50,000₹0

2 active plans · auto debitNo active SIPs

Asset Allocation

₹2.14Cr₹73.77LTotal
Real Estate53.4%Mutual Funds18.2%Vehicle8%Gold7.1%Equity / Stocks5.3%Fixed Deposits5.2%Cash & Savings2.6%PPF / EPF / NPS0.2%
Real Estate56.9%Mutual Funds24.2%Equity / Stocks15.5%Cash & Savings3.4%

Stocks

₹11.4LTotal
NIFTYBEES21.3%TCS17.3%RELIANCE15.8%TMCV9.5%INFY9.2%ADANIPOWER7.8%TMPV7.6%Others (3)11.7%

Mutual Funds

FundsCategory
₹38.38L₹17.87LTotal
Axis Short Du…16.2%Motilal Oswal…15.3%Motilal Oswal…11.0%Parag Parikh Fl…9.3%Bandhan Small…8.3%HDFC Flexi Cap6.7%Axis Small Cap5.9%Others (8)27.3%
Motilal Oswal M…32.9%Motilal Oswal…23.7%Bandhan Small…17.8%Nippon India S…8.3%Quant Flexi Cap5.9%Axis Nifty Small…5.7%Quant Mid Cap4.3%Quant Small Cap1.4%

Equity Portfolio Breakdown

PortfolioTotal inv.Total curr.Stock inv.Stock curr.%MF inv.MF curr.%XIRR
Hardik₹14.05L₹19.04L———₹14.05L₹19.04L+35.49%+16.95%
Jeegna₹0₹0———————
Papa₹27.82L₹29.27L₹11.12L₹11.4L+2.54%₹16.7L₹17.87L+7.02%+3.72%
Riya₹79,000₹2L———₹79,000₹2L+152.67%+15.19%
Total₹42.66L₹50.3L₹11.12L₹11.4L₹31.54L₹38.9L+5.37%+2.5%

Top Gainers

NameQtyInvestedCurrentP&L%
BHELEquity / Stocks200₹7,240₹75,680+₹68,440+945.3%
JIOFINEquity / Stocks36₹3,451₹8,611+₹5,160+149.53%
ADANIPOWEREquity / Stocks400₹42,720₹88,620+₹45,900+107.44%
TMCVEquity / Stocks250₹59,029₹1.08L+₹48,934+82.9%
ITCEquity / Stocks172₹31,493₹48,590+₹17,097+54.29%

Top Losers

NameQtyInvestedCurrentP&L%
TCSEquity / Stocks94₹3.25L₹1.97L−₹1.28L-39.39%
TMPVEquity / Stocks250₹1.3L₹86,188−₹44,283-33.94%
INFYEquity / Stocks100₹1.1L₹1.05L−₹5,320-4.84%
Quant Mid Cap FundMutual Funds302.894₹79,996₹76,178−₹3,818-4.77%
Motilal Oswal Midcap FundMutual Funds5337.528₹5.95L₹5.88L−₹7,271-1.22%

Realized P&L by Financial Year

FY 2025-26
₹3L
₹2L
₹1L
₹0
−₹1L
FY 2020-21
FY 2021-22
FY 2022-23
FY 2023-24
FY 2024-25
FY 2025-26
LTCGSTCGEst. Tax

Your Projection

See how your ₹1.75Cr₹73.77L grows to retirement — net worth, cash flow & taxes.

Open "Retirement Plan"+ New plan

FY 2024-25 — Realized P&L

Realized capital gains & estimated tax

FIFO method · Intra-head set-off · Excludes brokerage & STT

✕
Papa

Total P&L

+₹2.16L

LTCG gain

+₹1.66L

STCG gain

+₹50,802

LTCG tax @12.5%

₹5,072after ₹1.25L exemption

STCG tax @20%

₹10,160

Net tax

₹15,232
StockDateQtySell valueP&LTypeTax
CONFIPET06-05-2024150₹13,185+₹5,932LTCG₹742
TITAN08-05-202414₹45,576+₹4,846STCG₹969
DMART13-05-202448₹2.25L+₹74,444MIXED₹10,980
PCBL03-06-202491₹21,239+₹10,418MIXED₹1,428
AXISBANK05-06-202430₹34,345+₹13,925LTCG₹1,741
SBC21-08-20241000₹31,000−₹600STCG—
asset classes tracked
8+
asset classes tracked
NSE · BSE · AMFI pricing
Daily
NSE · BSE · AMFI pricing
market paths per projection
1,000
market paths per projection
bank credentials needed
0
bank credentials needed

The full toolkit

Everything's built in

Not a tracker with gaps — the whole job, handled: from the day you import your history to the day you file the ITR.

No broker & bank linking

We never connect to your broker or bank. Import statement files or type holdings in — nothing to authorise, nothing to revoke.

✓ No credentials✓ No OTPs✓ No PAN upload✓ Your data stays yours

FIFO tax engine

Every sale split into buy lots and classified at Sec 112A rates — per lot, per transaction, per PAN.

LTCG +₹23,250STCG +₹9,150₹1.25L exemption / PAN

Broker & CAS imports

History lands exact — every buy lot preserved for tax.

ZerodhaGrowwCAMSNSDL CAS

Family portfolios

One login — consolidated view, separate taxes.

HJPR4 PANs · taxes kept separate

Daily auto-pricing

NSE/BSE stocks, AMFI NAVs and gold — every day.

Priced today

Splits, bonuses & dividends

Corporate actions recorded properly — cost basis stays honest for tax.

PPF, EPF, NPS & property

Manual assets compound on schedule, maturities land on your timeline.

Gifts & transfers

Move holdings between PANs keeping buy dates and cost basis intact.

Tax harvesting

Use every member's ₹1.25L exemption before 31 March — tax-free gains.

SIPs with step-up

Auto-recorded monthly, yearly step-ups, pause/resume and STP.

Loans & prepayment

EMI schedules plus a simulator for tenure and interest saved.

Projections & scenarios

Monte Carlo bands and retire-at-55 toggles, decades ahead.

Sell preview

The exact tax and net proceeds, before you place the order.

Plus: FDs, RDs, gold & crypto · cash-flow Sankey · intraday P&L tracked separately · read-only sharing

How it works

Set up in an evening, useful for decades

1

Import your history

Drop your Zerodha tradebook or CAMS/NSDL statement — every buy lot lands with its exact date and price. Or type holdings in manually.

~1 minute per file
2

See everything in one place

Stocks, funds and gold price themselves daily. Add the flat, the PPF, the loan — one number for the whole family, per PAN or consolidated.

Auto-priced daily
3

Project decades ahead

Every SIP, EMI and deposit flows into the projection engine. Stress-test retirement at 55, see goal funding, preview taxes before you sell.

1,000 market paths

Complete coverage

Everything you own, in one place

Auto-tracked market assets, manual entries for everything else. If your family owns it — or owes it — ProjectionWealth tracks it.

Family net worth

₹1.84 Cr

₹2.29 Cr assets · −₹45.2L loans

Property 35%Gold 19%Stocks 18%Mutual funds 13%Retirement 11%FDs 4%

Stocks

₹42.3L

▲ 18.2% XIRR

RELIANCE₹9.4L
HDFCBANK₹7.1L
TCS₹5.8L

Mutual funds

₹28.6L

4 SIPs · ₹52,000/mo

Gold

₹43.7L

300g · priced daily

Home · Ahmedabad

₹80.0L

EMI ₹38,400/mo

Loan

−₹45.2L

44% equity built · 11 years remaining

Retirement

₹26.4L

PPF₹12.4L
EPF + VPF₹9.8L
NPS₹4.2L

Fixed deposits

₹8.0L

2 FDs · 7.4% avg

Next maturity Nov 2027

Imported from Zerodha or CAMS files, or added manually — always exact, never estimated.

Projections

See your financial future before you live it

Your SIPs, EMIs and salary go into one engine that runs 1,000 possible futures — retire at 55, buy a home, face a market crash — and you see the answer in seconds.

  • Monte Carlo confidence bands, not single-line guesses
  • Scenario toggles: retire early, add ₹10K SIP, buy the flat
  • Drag the age slider — every number is real output
Explore projections
ProjectionWealthPapaSearch…⌘KH
DashboardHoldingsAssetsTransactionsSIP PlansLiabilitiesGoalsPlansTax PlannerSupportSettings

Dashboard › Plans › Retirement Plan

Retirement PlanPlanCash FlowTax AnalyticsSettingsPlans ▾⟳ Regenerate+ Add plan
⚠Your plan survives on average — but in bad markets your money runs out at age 70In the worst 10% of the 1,000 simulated futures, assets hit zero before your life expectancy. Turn on "Market range" on the chart to see the downside band.
How much can I safely spend?Finds the monthly lifestyle your plan can sustain for life.Find out
When could I retire?Finds the earliest age your money lasts to life expectancy.Find out
Net WorthToday's ₹NominalMarket rangeRange: Near-termFull Life

Band = range across 1,000 simulations · dashed = median

₹0₹50.0 L₹1.00 Cr₹1.50 Cr₹2.00 Cr₹2.50 Cr₹3.00 Cr₹3.50 Cr₹4.00 Cr₹0₹1.00 Cr₹2.00 Cr₹3.00 Cr₹4.00 Cr₹5.00 Cr₹6.00 CrNet Worth (₹)
Now
34384246505458626670

Age

You 342026
Today's ₹Nominal

Inflation-adjusted, real purchasing power

Net Worth₹78.61L
Assets Breakdown▾₹78.61L
Liquid Net Worth₹78.61L
Withdrawals₹0
Income▾₹11.00L
Expenses▾₹7.30L
Taxes₹0
Effective Tax Rate0.0%

Cash Flow

Where every rupee flows in a single year — inflows, taxes, spending and what gets invested.

Age 34 · 2026

Total Income

₹11L

Taxes

₹0

Expenses

₹7.3L

Invested (SIP)

₹3.64L

To cash savings

₹6,000
Salary ₹10LSide Hustle ₹1LEarned IncomeOther InflowsInflowsExpenses ₹7.3LInvestments ₹3.64LCash SavingsHealth Care ₹1LLiving Expenses ₹5LSchool Fees ₹1LTravel / VacationMutual Funds (SIP)PPF ContributionCash Savings ₹6,000

Drag the slider to scrub through years. Inflows on the left flow into outflows — tax, expenses, debt, investments and cash — on the right.

Goals

Every goal, funded on purpose

Set the target — education, the flat, retirement — and ProjectionWealth maps your actual SIPs and savings against it. You'll know today if 2032 is funded, and exactly how many rupees per month close the gap.

  • Any goal, any year — education, home, FIRE
  • Funding % from your actual SIPs, not intentions
  • Told the exact ₹/month that closes the gap
Explore goals
ProjectionWealthPapaSearch…⌘KH
DashboardHoldingsAssetsTransactionsSIP PlansLiabilitiesGoalsPlansTax PlannerSupportSettings

Dashboard › Goals

Goals

Track every life goal — see what's on schedule, what needs attention, and what each goal costs in today's money.

AllOn TrackBehindAchieved+ Goal

Total Goals

2

0 on track · 2 need attention

On Track

0/2

0% of goals are on schedule

Target Total

₹50L

across all goals (today's value)

Total Saved

₹16.29L

32.6% of target reached

Riya's Education

Target Jun 2031 · 58 mo left (4.8 yrs)

Behind

₹11.63Lof ₹25L

46.5% reached₹23,046/mo needed

Inflation adj.

₹33.13L @ 6% p.a.

35.1% of inflation-adjusted

Projected

Dec 2032 (delayed)

at current SIP pace

Allocation

6 investments
Fixed Deposits 72%Equity / Stocks 28%

Linked investments (6)

₹11.63L
SBI FD75%+25.3%₹4.7L
ICICI FD75%+63.7%₹3.68L
NIFTYBEES50%+0.1%₹1.21L
RELIANCE50%+12.2%₹89,948
TMPV75%-33.9%₹64,641
TCS25%-39.3%₹49,247

+3 moreShow less ⌃

✎ Edit✓ Mark achieved🗑

Home Down-payment

Target Jul 2031 · 59 mo left (4.9 yrs)

Behind

₹4.66Lof ₹25L

18.6% reached₹34,479/mo needed

Inflation adj.

₹33.29L @ 6% p.a.

14% of inflation-adjusted

Projected

Dec 2030 (on time)

at current SIP pace

Allocation

5 investments
Mutual Funds 57%Equity / Stocks 43%

Linked investments (5)

₹4.66L
HDFC Flexi Cap Fund75%+3.2%₹1.94L
NIFTYBEES50%+0.1%₹1.21L
Nippon India Small Cap Fund50%+5.8%₹74,052

+2 more

✎ Edit✓ Mark achieved🗑

Edit goal

Plan your future. Track every step.

✕
1 Goal basics2 Money & timeline3 Funding

What's the goal? *Pick a category — we'll set sensible defaults

HomeVehicleEducationRetirementTravelWeddingBusinessCustom

Goal name *

Riya's Education

Target date *59 months · 4.9 years away

11/06/2031
In 2 yearsIn 5 yearsIn 10 yearsIn 20 years

ImportanceUsed when shortfalls force a trade-off

Must-haveSacrifice lastImportantBalancedNice-to-haveSacrifice first
Live previewupdates as you type
⌂Riya's EducationTarget Jun 2031 · 59 mo leftOn track

₹11.63Lof ₹25L

46.5% reached₹27,084/mo needed
Years to goal4.9 yrs
Linked corpus₹11.63L
Future cost₹33.27L
SIP needed₹27,084/mo

Target amount in today's money *What it would cost right now

₹ 2500000
₹5.00 L₹25.00 L₹1.00 Cr₹5.00 Cr

Expected inflation rate6% per year

0%6% (typical)12%

What it'll cost in Jun 2031

₹33.27L

That's ₹8.27L more than today, after 6% inflation over 4.9 years.

Monthly SIP needed

₹27,084/month

To hit ₹33.27L by Jun 2031, assuming 12% returns and ₹11.63L starting corpus.

Live previewupdates as you type
⌂Riya's EducationTarget Jun 2031 · 59 mo leftOn track

₹11.63Lof ₹25L

46.5% reached₹27,084/mo needed
Years to goal4.9 yrs
Linked corpus₹11.63L
Future cost₹33.27L
SIP needed₹27,084/mo

Goal

Riya's Education

Linked

₹11.63L · 46.5%

Target

₹25L · Jun 2031

Future cost

₹33.27L @ 6%

SIP needed

₹27,084/mo

Link investments to this goalSame investment can fund multiple goals — set % allocation for each

Equity / Stocks 10Mutual Funds 10PPF / EPF / NPS 3Fixed Deposits 2Gold 1
NIFTYBEESPapa100% used+₹1.21L of ₹2.43L25%50%75%100%
TCSPapa25% used−₹49,247 of ₹1.97L25%50%75%100%
RELIANCEPapa50% used+₹89,948 of ₹1.8L25%50%75%100%
TMPVPapa75% used−₹64,641 of ₹86,18825%50%75%100%
Cancel← BackContinue →✓ Save changes

Tax intelligence

Know the tax before you sell

Every sale is split into FIFO buy lots, each classified LTCG or STCG at Sec 112A rates — per lot, per transaction, per PAN. Preview the tax before you confirm, and get harvesting suggestions that use your ₹1.25L exemption before March.

  • See the exact tax before you place the order
  • Every lot classified LTCG or STCG, automatically
  • Harvesting tips that use your ₹1.25L exemption
Explore the tax engine

Sell holding

RELIANCE · NSE

40 shares @ ₹2,980Order value ₹1,19,200

FIFO · split into 2 buy lots

Lot 1 · 12 Mar 2021

25 shares

LTCG+₹28,400

Lot 2 · 04 Nov 2024

15 shares

STCG+₹9,150
LTCG tax — inside ₹1.25L exemption₹0
STCG tax — ₹9,150 @ 20%₹1,830
Net proceeds after tax₹1,17,370
CancelConfirm sale

All portfolios · combined

₹1.24 Cr

4 members · 4 PANs
H

Hardik

You · own PAN, own ITR

₹62.4L

50% of family

P

Priya

Spouse · own PAN, own ITR

₹31.2L

25% of family

P

Papa

Father · own PAN, own ITR

₹24.8L

20% of family

M

Mummy

Mother · own PAN, own ITR

₹6.1L

5% of family

Transfers keep buy dates & cost basisRead-only links for family

Family portfolios

India's joint-family money, finally in one place

One login manages everyone — you, your spouse, your parents, the kids. Consolidated when you want the full picture; separate when the ITR is due.

  • A portfolio for every member — spouse, parents, kids
  • One tap between the family view and any one PAN
  • Every PAN's capital-gains tax computed on its own
Explore family portfolios

Import

Your history, exact,
in under a minute

Drop the tradebook from Zerodha, the CAS from CAMS or NSDL, or any broker CSV. Holdings, buy dates and prices land exactly as they happened — every lot preserved for tax. No broker linking, no screen-scraping, no guesswork.

ZerodhaGrowwCAMS / KFintechNSDL CASCustom CSV

tradebook-FY25.csv

247 transactions matched by ISIN · 0 errors

100%
HoldingQtyAvg costValue
RELIANCE82₹2,214₹2,44,360
HDFCBANK410₹1,512₹7,13,220
Parag Parikh Flexi Cap3,842.11₹58.20₹3,10,485
UTI Nifty 50 Index6,204.88₹121.44₹9,86,120

Pricing

Start free. Upgrade when the family joins.

You already save for everyone you love. This is where you finally see it all come together — and know it's going to be enough.

Free

Track one portfolio, forever free

₹0forever

  • 1 portfolio
  • Unlimited stocks, MFs & gold — auto-priced daily
  • 1 SIP · 1 goal · 1 liability
  • Net-worth timeline & dashboard
  • Manual assets: PPF, FD, property & more
Start free

Pro

Most popular

The whole family, projected decades ahead

₹249/month · billed yearly

  • Unlimited family portfolios — every PAN separate
  • Unlimited SIPs, goals & liabilities
  • Projections with scenarios & Monte Carlo
  • Tax planner: FIFO lots, LTCG/STCG, harvesting
  • CSV import from Zerodha, CAMS, NSDL & more
  • Tax-loss harvesting & sell preview
Start 14-day Pro trial

See full plan comparison →

FAQ

Questions, answered

What is ProjectionWealth?

ProjectionWealth is a privacy-first net-worth tracker and financial-projection app for Indian families. It tracks stocks, mutual funds, gold, PPF, FDs, property and loans for every family member in one login — with no broker linking, OTPs or PAN — projects wealth decades ahead with Monte Carlo simulations, and computes Indian capital-gains tax (FIFO lots, Section 112A) separately per PAN. The Free plan tracks one portfolio forever; Pro adds unlimited family portfolios, projections and the tax planner.

Do I have to link my bank account or demat account?

No. ProjectionWealth never asks for bank credentials, OTPs or your PAN. You import broker CSV files (Zerodha tradebook, CAMS/NSDL CAS) or add holdings manually — your accounts stay untouched and your data stays yours.

How are prices kept up to date?

Stocks, mutual fund NAVs and gold rates update automatically every day. Manual assets like property, PPF and FDs use the values and interest rates you set, compounded on schedule.

Can I really manage my whole family from one account?

Yes — that's the point. Create a portfolio for each family member (spouse, parents, kids), see everything consolidated or per person, and keep each PAN's capital-gains taxes computed separately for ITR season.

How accurate is the tax calculation?

ProjectionWealth matches every sale against buy lots using FIFO, as the Income Tax rules require for demat holdings. Each lot is classified LTCG or STCG with Sec 112A rates and the ₹1.25L exemption applied. You see the tax before you confirm a sale.

What do projections assume?

You control the assumptions — expected returns per asset class, SIP step-ups, inflation, retirement age. Scenarios and Monte Carlo bands show the range of outcomes, not a single false-precision line.

What happens to my data if I leave?

Export everything to CSV at any time, then delete your account from settings. Deletion is immediate and permanent — we don't keep a copy.

Plan a future yourfamily will love

See your wealth clearly, project it decades ahead, and chart your course to the life you're working for — starting tonight.

Start free — no PAN, no broker linking

No PAN · No broker linking · No OTPs · Your data stays yours