WealthDesk

20 model portfolios — including an index-only option in every risk category — now live in Virtual Portfolio.

WealthDesk is a complete wealth management app built for the Indian investor. Track every asset you own, follow the markets in real time and plan your financial future — all in one place, with no login and no subscription required.

YOUR WEALTH IN ONE VIEW Import your mutual fund and stock portfolio from your NSDL or CDSL Consolidated Account Statement (CAS). WealthDesk parses the PDF entirely on your device — nothing leaves your phone. Add your PPF, EPF, NPS, SSY, fixed deposits, bank accounts, real estate and physical gold. Your net worth updates live as markets move, and a pulse chart plots every snapshot so you can see how far you have come.

RESEARCH TOOLS FOR SERIOUS INVESTORS

• Fund Compare: analyse up to 3 mutual funds side by side with rolling returns, drawdown charts and SIP simulations.
• MF Watchlist: track any fund across multiple custom watchlists with live NAV, returns since added and 1-5 star ratings based on 3-year CAGR within category.
• MF Virtual Portfolio: build your own allocation or pick from 20 pre-built model portfolios (Conservative to Aggressive). Backtest with real NAV history or project forward growth. Export results as a shareable image.
• Category Snapshot: rank every fund in a category by returns, drawdown and consistency.
• Market Movers: top gainers, losers and 52-week extremes across Nifty 50, Nifty Bank and Midcap 150. RSI Screener surfaces the most oversold and overbought stocks using a 2-year 14-period RSI.
• Stock Watchlist: track NSE stocks, global equities and crypto across multiple custom lists with 6 types of price alerts.
• Stock Virtual Portfolio: backtest any basket of stocks with CAGR over 1, 5 and 10 years and compare against Nifty 50.
• Avg Down Calculator: find out how many shares to buy to reach a target average cost.

LIVE MARKETS — 60-SECOND AUTO-REFRESH

• India: Nifty 50, Bank Nifty, Midcap 150, Smallcap 50 and 15 more indices. Intraday candlestick charts. RSI, MACD, Classic Pivot Levels, DEMA. FII and DII institutional flow with a 20-day net bar chart.
• Global: US, European and Asian indices with heavyweight stocks (Apple, ASML, TSMC and more). Indian ADRs in the US tab.
• Currencies: 12 pairs vs INR with detail charts from 1D to 5Y.
• Commodities: Gold, Silver, Crude, Natural Gas and Copper with global USD price alongside live MCX INR price.
• Crypto: 20 coins with market cap, 24h volume, market-cap rank and full chart history.

PLANNING FOR EVERY LIFE STAGE

• Investor Profile: answer 14 questions and get a personalised risk category — Conservative to Aggressive — with a suggested Equity/Debt/Gold split and a realistic SIP return rate, scored on a SEBI RIA-aligned framework.
• 3-Bucket Retirement Strategy: visualise Cash, Income and Growth buckets with an animated fluid canvas and adjustable return rates for each bucket.
• FIRE Calculator: four retirement corpus scenarios with your own inflation and return assumptions.
• Term Insurance Planner: Needs Analysis method with a precise cover amount and indicative premium.
• Compound Interest Calculator: lump-sum and SIP modes with a Rate Variance Matrix.
• NPS Exit Planner: PFRDA exit rules with tier-based lump-sum limits and existing corpus support.
• Lifecycle Planner: chart your full retirement journey with year-by-year contribution and withdrawal tables.
• Form 16 Tax Planner: compare Old vs New tax regime for AY 2026-27 with 80C auto-filled from tracked contributions.
• SIP Planner, SWP Planner, Goal Planner, Loan and EMI Calculator with step-up EMI and prepayment modelling.

PRIVACY BY DESIGN No account. No subscription. No data uploaded to any server. Your portfolio lives only on your device. CAS PDFs are parsed on-device using PDFKit — never uploaded. AI analysis has two modes: on-device (nothing leaves your phone, requires Apple Intelligence) or cloud (sends only asset category totals — never individual fund names or invested amounts). Market data is fetched from public APIs (NSE, Yahoo Finance, CNBC, MCX).