Still Tracking Zerodha Stocks, Groww SIPs, and Binance Crypto in Excel?

NxWorth is designed specifically for Indian households. It combines a net worth tracker, portfolio manager, and expense tracker into one dashboard, supporting Indian assets like EPF, PPF, mutual funds, real estate, and physical gold. By aggregating what you own and what you owe, it gives you a complete, accurate picture of your financial health.

With NxWorth, you can track dual-income households and HUF (Hindu Undivided Family) assets together. Simply add all family members' assets and liabilities to calculate your combined household net worth. This completely eliminates the manual work of maintaining complex Excel sheets for multiple family members.

Absolutely. We built NxWorth with a security-first and privacy-first philosophy because we believe your financial details are highly sensitive. All broker connections and API integrations are configured with read-only access. This means NxWorth only retrieves data to display on your dashboard; it is technically impossible for our system or anyone else to execute trades, transfer money, modify your portfolio, or make changes of any kind. We protect your data using industry-standard bank-grade encryption (AES-256 for data at rest and TLS 1.3 for data in transit). Furthermore, we enforce strict Row Level Security (RLS) on all database levels and have a strict policy: we never sell, rent, share, or monetize your personal information or financial data to third-party advertisers or insurance brokers.

Yes. While auto-syncing covers liquid investments like stocks and mutual funds, Indian investors often hold significant wealth in other asset classes. NxWorth supports tracking manual assets, including physical Gold and Silver (indexed automatically using current market rates), Public Provident Fund (PPF), Employee Provident Fund (EPF), National Pension System (NPS), Fixed Deposits (FDs), Recurring Deposits (RDs), real estate properties, private equity, and custom assets. You can easily add these to your dashboard and update their values in a few clicks. This gives you a holistic, 360-degree overview of your entire financial footprint, combining both automated and manual investments in a single interface.

The FIRE (Financial Independence, Retire Early) Planner is a powerful tool designed to calculate your path to financial freedom. Unlike generic calculators that ask for a guessed budget, the NxWorth FIRE Planner leverages your actual average spending data tracked directly in the app to establish a realistic baseline. You can adjust critical financial parameters like Safe Withdrawal Rate (SWR)—usually set between 3% and 4%—expected annual inflation, and long-term market growth rates. By comparing your current net worth, monthly savings rate, and projected investment compound growth against your target FIRE number, the system creates a personalized projection. It shows you the exact year, age, and timeline when your investments can self-sustain your lifestyle, giving you a concrete target to work toward.

While spreadsheets are incredibly customizable, they require hours of manual upkeep, copy-pasting values, updating stock prices manually, and debugging broken formulas or cell references. They also lack native features like real-time price feeds, mobile-friendly interfaces, automated broker synchronization, and interactive history charts. NxWorth provides the customizability of a spreadsheet without any of the manual overhead. Our platform automatically updates asset values daily, tracks transaction histories, draws beautiful interactive charts, categorizes expenses, alerts you to billing cycles, and computes complex metrics like CAGR and SWR automatically. It lets you focus on high-level financial decisions instead of entering data.

Yes, you can easily log and monitor savings accounts, current accounts, and emergency cash reserves within the cash and bank balances section of the dashboard. This ensures that even your liquid cash reserves are factored into your daily net worth calculations. Maintaining a dedicated emergency fund tracking slot helps you separate your long-term wealth investments from your short-term buffer, giving you a accurate reading of your financial stability.

NxWorth automatically updates your investments and brokerage portfolio values once every day during non-market hours to ensure that you always wake up to a fresh snapshot of your net worth. In addition to these automated daily sync processes, premium users have the option to trigger a manual sync directly from the dashboard at any time, ensuring that you can see your updated holdings on demand whenever you need to make urgent decisions.