The wealth platform that thinks alongside you
See everything you own, know what you should do next, plan for any future. WealthWise turns 30 spreadsheets and apps into one coherent picture.
See everything you own
Bank accounts, FDs, mutual funds (across folios and AMCs), demat holdings, EPF, PPF, NPS, gold (physical, SGB, ETF), real estate, crypto, even ESOPs. One live snapshot.
Know what you should do next
The AI planner runs goal projections, tax-loss harvesting on the ₹1.25L LTCG exemption, insurance gap analysis, and retirement scenarios — then writes a one-page next step.
Plan for any future
Stress-test against job loss, inflation spikes, market crashes. Toggle scenarios (SIP +₹15k, retire at 55 vs 60). Watch your trajectory react in real-time.
Six things you can do in your first session
Unified portfolio
All your holdings in one view — drillable to scheme, AMC, fund manager, current NAV, cost basis, and gain/loss.
Goal projections
Every goal projected with inflation, required SIP, current trajectory, and on-track / off-track flag.
Tax harvesting
March-end automation: identifies LTCG up to ₹1.25L to harvest tax-free, and STCG losses to offset.
Scenario builder
Toggle 'retire at 55' vs 60, 'SIP +₹15k', 'market drops 30%'. Trajectory rebuilds in real-time.
Insurance gap
Recommended term cover vs current cover, health insurance adequacy, and where you're under-protected.
Asset allocation drift
Live tracking of equity/debt/gold drift from your target. Rebalancing alerts only when threshold breached.
WealthWise vs everything else you've tried
| Capability | WealthWise | Excel | Traditional Advisor | Kuvera / INDmoney |
|---|---|---|---|---|
| Aggregates portfolio across banks, AMCs, brokers | — | — | ||
| AI-generated next-step recommendations | — | — | — | |
| Tax-loss harvesting on ₹1.25L exemption | — | — | ||
| Scenario planning (job loss, retire early) | — | |||
| No product sales / commissions | — | — | ||
| Insurance gap analysis | — | — | ||
| Built for ₹10L+ portfolios | — |
Why I built this
When I left the Army after 20 years, I sat down to actually plan my financial life. I had EPF, NPS, mutual funds across three AMCs, FDs at two banks, an SGB tranche I'd forgotten about, a flat in Pune, a small US stocks position, and a vague sense that things were “probably fine.”
They weren't fine. They weren't terrible — but I had no view of my actual net worth, no rebalancing happening, no tax harvesting, and my retirement projection was somebody's spreadsheet from 2019. I wanted one place that made the picture honest and actionable. Excel wasn't enough. The apps I tried were either glorified portfolio trackers or thinly disguised distributor platforms.
WealthWise is what I wanted. A serious tool for serious investors — military officers, professionals, NRIs, families with real complexity. It doesn't sell you products. It tells you what to do.
— Col Ashish Bhardwaj
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