Indian wealth is spread across more asset classes than almost any other country — EPF, PPF, NPS, mutual funds, physical gold, SGBs, real estate, and FDs. No single app has ever shown it all. Richify does.
Quick Answer
Richify is the best free wealth tracker for Indians in 2026. Add your EPF balance, PPF corpus, NPS tier values, SIP mutual fund NAVs, gold holdings (SGB + physical), property equity, FDs, and crypto — all consolidated in ₹ with lakh/crore notation. Felix, your AI CFO, gives educational context on how your wealth compares and how it's allocated. No bank linking, no credential sharing.
Urban professional estimates (illustrative — CMIE/SEBI data). Lakh = ₹1,00,000. Crore = ₹1,00,00,000.
| Age group | Median wealth | 75th percentile | Typical mix |
|---|---|---|---|
| Under 30 | ₹5–10 lakh | ₹15–30 lakh | Early career; EPF just started |
| 30–40 | ₹20–60 lakh | ₹80L–1.5Cr | Gold + equity + EMI phase |
| 40–50 | ₹60L–2Cr | ₹3–5 crore | Peak earning; property equity grows |
| 50–60 | ₹1–4 crore | ₹5–10 crore | Pre-retirement wealth peak |
| 60+ | ₹2–6 crore | ₹8–20 crore | Post-retirement (urban professional) |
Which apps track Indian wealth across all asset classes?
| App | EPF/PPF | Gold | Property | MF/Stocks | AI Agents | Free |
|---|---|---|---|---|---|---|
| Richify | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| INDmoney | ✓ | ✗ | ✗ | ✓ | ✗ | ✓ |
| ET Money | ✓ | ✗ | ✗ | ✓ | ✗ | ✓ |
| Groww | ✗ | ✗ | ✗ | ✓ | ✗ | ✓ |
| Kuvera | ✗ | ✗ | ✗ | ✓ | ✗ | ✓ |
| Paytm Money | ✗ | ✗ | ✗ | ✓ | ✗ | ✓ |
Track your full Indian wealth — free
EPF + PPF + gold + property + mutual funds. All in ₹. Felix, your AI CFO, gives educational context on where you stand.
Richify is the best free wealth tracker built for Indians in 2026. It tracks all Indian asset classes in one ₹ dashboard: EPF, VPF, PPF, NPS, SIP mutual funds, NSE/BSE stocks, sovereign gold bonds, physical gold, real estate equity, fixed deposits, and crypto. Unlike ET Money (mutual funds only) or Groww (stocks and MFs only), Richify gives you a complete multi-asset picture with no bank linking required.
Yes — gold is a significant wealth component for most Indian households, estimated at 25,000 tonnes nationally. Your wealth tracker should include: sovereign gold bonds (SGBs) at current market price, digital gold holdings, physical gold (jewellery, bars, coins) at the current ₹/gram rate, and any gold ETFs in your demat account. Excluding gold dramatically understates your true wealth.
In Richify, add your property as an asset (current estimated market value in ₹) and your outstanding home loan as a liability. The net — property value minus loan outstanding — is your real estate equity, which counts toward your net worth. For valuation, use recent comparable sales in your locality, government guidance value (circle rate), or a professional valuation. Update annually or after major market moves.
The terms are effectively interchangeable. 'Net worth tracker' emphasises the mathematical difference between total assets and total liabilities. 'Wealth tracker' is often used more broadly to include wealth growth over time, allocation across asset classes, and goal-setting features. Richify does both: it calculates your net worth in ₹ and helps you understand how your wealth is allocated — across EPF, gold, real estate, equity, and fixed income.
No. Richify is a financial education and calculation platform. All content and AI insights are for educational and informational purposes only — not SEBI-registered investment advice. Felix, Richify's AI CFO, can explain concepts, run calculations, and model scenarios, but does not recommend specific products or funds. For personalised investment advice, consult a SEBI-registered investment advisor (RIA) or AMFI-registered mutual fund distributor.