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 free 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, no subscription required for core tracking.
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 — free
EPF + PPF + mutual funds + gold + property. All in ₹. Felix, your AI CFO, gives educational context on where you stand.
Richify is the best free 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.
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. Both are free at the core.
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.