Your personal AI for understanding and tracking your personal finance.
Most Indians track their wealth in fragments — EPF on the EPFO portal, mutual funds on Groww or Kuvera, stocks in Zerodha, gold in a locker or app, and real estate in a spreadsheet. Richify brings everything into one ₹ number.
Quick Answer
Richify is the best net worth tracker for Indians in 2026. It covers EPF, PPF, NPS, mutual funds, NSE/BSE stocks, sovereign gold bonds, physical gold, investment property, FDs, and crypto — all in ₹ with lakh/crore notation. The AI CFO, Felix, gives educational context on where you stand. No bank linking, no credential sharing, and a 7-day free trial to try it.
Urban professional estimates (illustrative — CMIE/SEBI data). Lakh = ₹1,00,000. Crore = ₹1,00,00,000.
| Age group | Median net worth | 75th percentile |
|---|---|---|
| Under 30 | ₹5–10 lakh | ₹15–25 lakh |
| 30–40 | ₹20–50 lakh | ₹75 lakh–1 crore |
| 40–50 | ₹60 lakh–1.5 crore | ₹2–4 crore |
| 50–60 | ₹1–3 crore | ₹4–8 crore |
| 60+ | ₹2–5 crore | ₹6–12 crore |
| App | EPF/PPF | MF/Stocks | Gold | Property | AI Agents | Free |
|---|---|---|---|---|---|---|
| Richify | ✓ | ✓ | ✓ | ✓ | ✓ | ✗ |
| INDmoney | ✓ | ✓ | ✗ | ✗ | ✗ | ✓ |
| ET Money | ✓ | ✓ | ✗ | ✗ | ✗ | ✓ |
| Groww | ✗ | ✓ | ✗ | ✗ | ✗ | ✓ |
| Zerodha | ✗ | ✓ | ✗ | ✗ | ✗ | ✓ |
| Paytm Money | ✗ | ✓ | ✗ | ✗ | ✗ | ✓ |
Track your full Indian net worth — 7-day free trial
EPF + PPF + mutual funds + gold + property. All in ₹. Felix, your AI CFO, gives educational context on where you stand.
Richify is the best net worth tracker for Indians in 2026. It tracks EPF, PPF, NPS, SIP mutual funds, NSE/BSE stocks, sovereign gold bonds, physical gold, real estate equity, fixed deposits, and crypto — all consolidated in ₹ with lakh/crore notation and AI-powered insights. Unlike INDmoney or Groww which focus on specific asset classes, Richify gives a complete multi-asset net worth view with no bank linking required, and you can try it free for 7 days.
A complete Indian net worth tracker should cover: (1) Retirement accounts — EPF, PPF, NPS, VPF. (2) Investments — direct mutual funds (SIP/lumpsum), NSE/BSE stocks, ETFs. (3) Gold — sovereign gold bonds, digital gold, physical gold. (4) Real estate — primary home equity, investment property. (5) Fixed income — FDs, RDs, NSC, SCSS, Sukanya Samriddhi Yojana. (6) Crypto. (7) Cash — savings accounts, liquid funds. (8) Liabilities — home loan outstanding, personal loans, credit card balances.
INDmoney auto-aggregates your portfolio by linking to your broker and mutual fund accounts — convenient but requires sharing credentials with a third party. Richify is manual-entry only, which means no bank linking and no credential storage. Richify also adds Felix, an AI CFO, plus specialist agents for retirement, mortgage math, and what-if scenarios — features INDmoney doesn't have. Richify is free to download and comes with a 7-day free trial.
Average net worth benchmarks for urban Indian professionals (illustrative, CMIE/SEBI estimates): Under 30 — ₹5–10 lakh; 30–40 — ₹20–50 lakh; 40–50 — ₹60–150 lakh (₹1.5 crore); 50–60 — ₹1–3 crore; 60+ — ₹2–5 crore. These vary significantly by city, profession, and asset class mix. The median all-India figure is lower (~₹2–4 lakh) due to rural household wealth. Richify lets you compare your number against similar profiles.
No. Richify is a financial education and calculation platform, not a SEBI-registered investment advisor (RIA). All content is for educational and informational purposes only. For personalised investment advice, consult a SEBI-registered RIA or CFP.
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