Your whole money life.One clear picture.
Welthr brings your net worth, investments, loans, daily expenses and goals together — and helps you build the saving habit, one month at a time.
- No bank passwords
- No card needed
- Set up in minutes
Your net worth
₹42,18,500
+₹1,24,300 this month
You own
₹58.4 L
You owe
₹16.2 L
Where this month's income went
- Needs 48%
- Wants 27%
- Savings 25%
House goal
62% · On track
Saving streak
5 months of saving 20%+
10
Investment types tracked
17
Free calculators
Daily
Net worth history
XIRR
Real, money-weighted returns
Everything in one app
All the tools your money needs
Stop switching between broker apps, bank statements and spreadsheets. Welthr does the adding up for you.
Net worth, always up to date
Everything you own minus everything you owe, in one number — with a daily history so you can watch it climb.
- Investments, bank balances, cash and wallets added automatically
- Property, vehicles and jewellery as other assets
- Month-on-month change and a trend chart
Loans tracker
Home, car, personal or education loans — know exactly where each one stands.
- Outstanding balance, EMIs paid and closure date
- Record prepayments and see the interest you saved
- Full EMI schedule for every loan
Investment portfolio
Every investment in one view, valued at the latest prices and NAVs.
- Indian & US stocks, mutual funds, FDs, gold, ULIPs, Sukanya Samriddhi
- XIRR, CAGR, realised & unrealised P&L
- Allocation by asset class and holding
Expense tracker
Log a spend in seconds and find out where your money really goes.
- Bank, cash, wallet and credit-card balances
- Salary, money received and transfers between accounts
- Budgets by category and the 50/30/20 split
- Money-leak finder for the spends that add up
Goals that adjust for inflation
House, car, education, travel, wedding, retirement or an emergency fund.
- The monthly amount you need, worked out for you
- On track or behind — and by how much
- Link accounts and investments to fund a goal
Saving habits that stick
Small nudges that turn saving and investing into a routine.
- Saving and investing streaks, plus milestones to celebrate
- Challenges: 52-week savings, no-spend weekends, cook at home
- Reminders and a monthly check-in email
Reports you can share
Download clean PDF and Excel reports of your holdings and returns — for tax time, reviews or your CA.
- Holdings, transactions and performance
- Ready to print or send
17 free calculators — no login needed
SIP, step-up SIP, FD, RD, PPF, EPF, NPS, Sukanya Samriddhi, EMI, home-loan prepayment, income tax, HRA, retirement, inflation and more.
How it works
Up and running in three steps
- 1
Create your account and pick a plan
Sign up with just a username, email and password, then choose Expenses Pro, Portfolio or both. No bank passwords.
- 2
Add what you have
Your accounts, investments and loans — once. Then log daily spends in a few taps.
- 3
Watch your money grow
Net worth, goals and streaks update by themselves, with reminders to keep you going.
Your full asset mix, at a glance
See how Indian and US equity, mutual funds, PPF, EPF, Sukanya, FDs, gold, and cash combine — so you always know where your wealth is allocated.
- Track equity, mutual funds, gold, and fixed income together in one portfolio view
- View asset allocation instantly across every holding and category
- Understand where your money is concentrated — and where it is diversified
Every holding, one clean ledger
Log buys, sells, and contributions once. See current value, cost basis, and gain for each asset — across brokers, fund houses, and government schemes.
- Record transactions for stocks, MFs, PPF, EPF, Sukanya, FDs, and gold in one place
- Refresh live prices and NAVs to keep every holding up to date in INR
- Review a clear transaction history and per-asset performance at any time
Export when you need a second opinion
Generate polished PDF and Excel reports from the same data you track daily — ready for tax season, annual reviews, or conversations with your CA.
- Download allocation and holdings reports in PDF or Excel format
- Share structured summaries with your chartered accountant or advisor
- Export always reflects your latest transactions and refreshed valuations
Made for India
Built around how Indians save and invest
Government schemes, Indian tax rules and Indian number formats are built in — not bolted on.
- Rupees first, in lakhs and crores
- Sukanya Samriddhi rates synced from the government (NSI)
- Mutual fund NAVs from AMFI, updated every day
- US stocks valued in INR at the latest USD/INR rate
- Tax calculators on FY 2026-27 rules, old vs new regime
- EPF, PPF, NPS, gratuity and HRA worked out the Indian way
Free for everyone
Plan your next move with free calculators
Quick answers with the latest Indian rules — no account needed.
Investments
Deposits & savings schemes
Retirement
Planning
Who it's for
Wherever you are with money
Starting your first job
Build a budget, an emergency fund and your first SIP — and keep the streak going.
Salaried professionals
EMIs, EPF, tax regime choice and investments across apps, finally in one place.
Families planning ahead
A home, your children's education, Sukanya Samriddhi — goals with a clear monthly plan.
DIY investors
Real returns with XIRR, allocation across asset classes, and Indian plus US stocks.
Your data, your rules
Private, simple and honest
You stay in control
You add your own data — we never ask for bank or broker passwords.
Private by design
Verified sign-in, hashed passwords and data that only your account can see.
No sales pitch
We don't sell financial products or give tips. Welthr only measures and explains.
Pay only for what you use
Choose Expenses Pro, Portfolio, or both — for you or your whole family. Every plan includes net worth, loans, goals and saving habits. Cancel anytime; access continues until the end of your billing period.
Launch offer until 01 Dec 2026: about half price on every plan, and you keep that price when you renew.
Try any plan free for 10 days; after that, your plan is charged automatically. Cancel before the trial ends and you pay nothing.
₹1,59950% off
₹799/year
Save ₹389 vs monthly
- Budgets and budget alerts
- AI statement import
- Expense export to Excel
₹3,99950% off
₹1,999/year
Save ₹389 vs monthly
- Full portfolio dashboard and XIRR
- Live prices, NAV and FX
- PDF and Excel reports
- Add Expenses Pro for +₹500/year
₹6,99950% off
₹3,499/year
Save ₹689 vs monthly
- You + 4 family members
- Each member's portfolio and the family total
- 3× the AI import allowance
- Add Expenses Pro for +₹500/year
Prices in Indian rupees.
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