Wealthynut
Wealthynut Desk

See the whole curve
— before you sign anything.

Loans, SIPs, insurance cover, portfolios, stocks, property and your kids' education — run through real formulas, then read back to you in plain language. No CA. No CFA. Just the math, and the desk's honest take on it.

Open the desk ↓ Check your score
Real EMI math
What you can afford
Kids' education goals
Live FX & crypto
A verdict, every time
₹10,000 / month · 12% · 20 years becomes
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OVW · Net Worth

Where you actually stand

Add what you own and owe. This is the one number every other module ultimately serves.

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Net worth today
Desk verdict
Add a few numbers to get a read on your mix.

Jump to a module

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Loan Center
EMI, total interest, and what one extra payment saves you.
EMI updates live
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What You Can Afford
A budget split plus the max home & car loan your income supports.
Check affordability
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Mutual Funds
SIP vs lumpsum compounding, plus live category NAVs.
Corpus updates live
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Portfolio Mix
A five-question read on your real risk appetite.
Take the quiz
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Stock Analysis
Read P/E, ROE and debt like an analyst would.
6 sample names, filterable
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Insurance
How much life & health cover your household needs.
Cover updates live
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Kids' Education
Inflation-adjusted school & college goals, per child.
Plan the goal
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Global Property
Rental yield across eight cities, converted at live FX.
8 cities, sortable
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Global Opportunities
Eight asset classes, with a live BTC/ETH price check.
Filter by risk
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Health Score
One number, three moves that would raise it fastest.
Score yourself
Loan.EMI

Know the real cost before you sign

The same amortization math your bank runs — plus what one extra payment a month actually saves you.

Loan type (informational — doesn't change your entered rate):
Home Car Personal Education

Typical range for Home loans: 8–9.5% p.a.

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Monthly EMI
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Total interest
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Total payment
Desk verdict
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Afford.Chk

What you can actually afford

A budget split for your income, plus the biggest home loan, car loan, and one-time purchase it can safely support.

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Needs (50%)
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Wants (30%)
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Savings & investing (20%)
Desk verdict
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Max affordable home loan
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Try in Loan Center →
Max affordable car loan
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Try in Loan Center →
One-time purchase planner
You'd need to save ₹0/mo
Fund.SIP

What compounding actually looks like

Run a SIP or lumpsum through real compound-interest math, then check live NAVs for a real fund in each category.

Monthly SIP One-time lumpsum
Step-up SIP
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Total invested
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Wealth gained
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Final corpus
Desk verdict
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Fund categories — with one live example each

Ranges are illustrative long-term figures. The NAV line under each is a real, live-fetched value for a real fund in that category (public AMFI data via mfapi.in).

Life.Cov

Cover the gap, not the guess

An estimate of how much life and health cover your household needs — using the income-multiplier method insurers use to underwrite policies.

MetroNon-metro
Family depends solely on this income
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Recommended life cover
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Recommended health cover

Life cover uses an age-based income multiplier, minus cover you already hold. Health cover uses a base sum per city tier plus an addition per extra family member.

A planning estimate, not an underwritten quote — actual premiums depend on health, occupation and the insurer's own assessment.

Desk verdict
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Fam.Edu

Fund the school run before it arrives

School fees and college costs rise faster than general inflation. This inflates today's cost forward and converts it into a monthly SIP.

Child 1
Add a second child
Child 1 — cost at goal age
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Required monthly SIP
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Combined required monthly SIP
Desk verdict
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Risk.Alloc

Find your real risk appetite

Five honest questions, one allocation you can actually stick with when markets fall 20% in a month.

1. Your investing time horizon is:
2. Your portfolio drops 20% in a month. You:
3. Your income is:
4. Your emergency fund covers:
5. Your primary goal right now is:
Risk category
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Blended return
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Desk verdict
Answer the questions and calculate to see your read.
Eqty.Scan

Read a stock like an analyst

A sample watchlist — illustrative figures, not live prices — showing how P/E versus sector average, ROE, and debt tell you whether a price looks fair.

Illustrative sample portfolio. Live equity quotes need a licensed market-data feed — see the footer.

All IT Services Banking Auto Pharma Renewable Retail
Desk verdict
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REIT.Yld

Property, priced by yield — not vibes

Sample figures across eight global cities, converted to INR at a live exchange rate. Gross rental yield is computed live from local-currency price and rent.

Fetching live exchange rates…
All regions Asia Europe Middle East Americas

Price & rent figures are illustrative samples — verify current local prices before acting. The yield math and the INR conversion are both computed live.

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Glbl.Opp

Where the world's capital goes

Eight asset classes, their typical long-run range, and the one perk worth knowing about each.

Ranges are illustrative history, not a forecast. The crypto card below carries a genuinely live price.

All Low risk Medium risk High risk
Desk verdict
No single asset class wins every year. A mix across 3–4 of these has historically smoothed the ride more than chasing whichever looks best in hindsight.
Hlth.Scr

Your financial health, scored

Six questions. One number. The three moves that would raise it fastest.

Under 10%10–20%20–30%Over 30%
None1–2 mo3–5 mo6+ mo
Over 50%30–50%15–30%Under 15%
NonePartialAdequate
NoYes
Single asset2–3 types4+ types
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Band
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Fastest moves to raise it
  • Answer the questions and score yourself.