When we started building Welthr, the goal was simple: one honest view of your investments. Talking to early users, one thing kept coming up — investments are only part of the picture. Loans, bank balances, daily spending and future goals all decide whether you're actually getting ahead. So we built them in.
Net worth, with loans included
Net worth is now the home screen. It adds up your investments, bank and cash balances, and other assets like property, vehicles and jewellery — then subtracts what you owe. A daily snapshot builds a history, so you can see the month-on-month change and the long-term trend.
- Loans tracker for home, car, personal and education loans: outstanding balance, EMIs paid, closure date and the full EMI schedule
- Record prepayments and see how much interest they saved
- Net worth is included in every plan
Expense tracking that finds your money leaks
Log a spend in a few taps. Keep balances for bank accounts, cash, wallets and credit cards, record salary or money received, and move money between accounts. Budgets by category and the 50/30/20 needs–wants–savings split show where each month's income went, and the money-leak finder points out the small spends that quietly add up.
- Needs 50%Rent, groceries, bills, EMIs
- Wants 30%Eating out, shopping, trips
- Savings 20%SIPs, emergency fund, prepayments
Goals and saving habits
Set a goal — a house, your child's education, a car, travel, a wedding, retirement or an emergency fund — and Welthr adjusts the target for inflation and works out the monthly amount you need. It tells you whether you're on track or behind, and by how much. Link bank accounts or investments to a goal and progress updates by itself.
- Saving and investing streaks, with milestones to celebrate
- Challenges: the 52-week savings challenge, no-spend weekends and cook-at-home weeks
- Reminders and a monthly check-in email with your savings rate and goal progress
17 free calculators
SIP, step-up SIP, lumpsum, SWP, FD, RD, PPF, Sukanya Samriddhi, EPF, NPS, retirement, gratuity, loan EMI, home-loan prepayment, income tax (old vs new regime for FY 2026-27), HRA and inflation. They're free and work without an account.
A new name and a new look
We're now Welthr. The new logo is a W drawn as a single line whose last stroke climbs highest — steady progress, one month at a time. During the beta every feature is free; if you have feedback, use Report an issue in the app. We read everything.