Personal Finance

Personal Finance app & operating system

Capitallytics is a personal finance app that connects net worth, budgets, goals, and planning tools in one operating system. Dedicated dashboards and trackers go deeper on each job — this hub explains how the personal finance stack fits together.

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Read-only import

Analysis-only pipelines. Capitallytics cannot transfer your capital.

Encrypted connections

HTTPS on every session. Your password is handled by our sign-in provider.

Your data stays yours

We do not sell personal information to third parties.

Secure authentication

Industry-standard sign-in. No OTPs or passwords over email.

Personal finance vs investment tracking

Personal finance is the full household picture: cash, debt, budgets, goals, and investments together. An investment tracker alone shows portfolio P&L; a personal finance OS connects that portfolio to savings rate, emergency cover, and goal progress.

Capitallytics separates Personal Finance OS modules (net worth, budget, goals, tax tools) from the Portfolio Tracker, then links them so concentration risk and cash flow appear in context.

Business Finance is a separate workspace for revenue, expenses, cash flow, and FP&A — so household and company books stay clear.

What to track first

Start with net worth (assets minus liabilities), then a simple budget and one or two goals. Add your portfolio when you want P&L and allocation beside those numbers.

Use free finance calculators for SIP, EMI, FIRE, and retirement scenarios before committing to a plan. Capitallytics calculators are educational estimates — not personalized recommendations.

How the pieces connect

Every Personal module reads one financial snapshot built from your own records. Income and spending feed the savings rate and the budget; balances and loans feed net worth and emergency cover; holdings feed the portfolio and the retirement corpus. Because each figure is calculated once, the dashboard, the health score and the AI CFO quote the same numbers.

You can add data by hand, upload a bank statement through the AI CFO (in Beta, with every line checked before it is saved) or import a CAS for mutual funds and demat holdings. A family view brings household members together where you choose to share, and an optional daily brief and weekly report summarise what changed.

Four numbers that describe a household

Net worth is everything you own minus everything you owe. Savings rate is the share of take-home pay you keep. Emergency cover is liquid money — cash, bank and savings balances — divided by essential monthly expenses including EMIs, measured against a six-month target. The EMI ratio is loan repayments as a share of take-home pay; at 30% or below it is comfortable, and above 40% it is flagged.

Sample data · a fictional two-person household, figures in ₹

Example: a household on one page

Example only, educational information and not financial advice. Take-home pay is ₹1,00,000 a month and spending is ₹70,000, including a ₹20,000 home-loan EMI. Essential expenses, including the EMI, are ₹50,000. Cash, bank and savings balances total ₹2,00,000.

Headline personal finance measures (sample figures, not real data)
Measure	Example	How it is worked out
Net worth	27,00,000	₹45,00,000 assets − ₹18,00,000 home loan
Savings rate	30%	(₹1,00,000 − ₹70,000) ÷ ₹1,00,000
Emergency cover	4.0 of 6 months	₹2,00,000 ÷ ₹50,000
EMI ratio	20%	₹20,000 ÷ ₹1,00,000

Net worth counts the home at its value and the loan against it, so ₹45,00,000 − ₹18,00,000 = ₹27,00,000.
The household keeps ₹30,000 a month, a 30% savings rate.
Emergency cover is 4.0 months against a 6-month target, so ₹1,00,000 more in liquid savings would complete it.
The EMI ratio of 20% is inside the comfortable range, which leaves room to direct the ₹30,000 surplus first to the emergency fund and then to goals.

Four plain numbers, each calculated from your own records, usually say more about financial health than a long list of accounts.

Explore the cluster

Everything in the Personal workspace

Each page below covers one part of your financial life. Together they form one personal read model, kept separate from any business books.

Net worth and money

Personal Finance Dashboard
Unified dashboard for portfolio, net worth, budget, and goals.
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Net Worth Tracker
Net worth tracker: assets minus liabilities — stocks, mutual funds, ETFs, gold, crypto and deposits less loans — with live valuation.
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Wealth Tracker
Wealth timeline with net worth, assets, and portfolio tracking.
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Budget Planner
Budget and expense tracking that powers cash flow analytics.
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Financial Health Score
Educational financial health scoring for Indian and global investors.
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Goals and planning

Goal Tracker
Track financial goals with progress bars and educational suggestions.
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Financial Planning
Goal, retirement, and FIRE planning tools with calculators and progress tracking.
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Retirement Planning
Retirement corpus calculators and progress tracking for personal finance.
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Investments

AI Portfolio Tracker
AI-powered portfolio tracker with health scores, market briefs, and personal CFO assistant for stocks, crypto, and gold.
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Investment Performance Tracker
Investment performance tracker with period P&L, return percentages, snapshots, and historical trade calendars.
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Portfolio Analytics
Portfolio analytics with allocation charts, period P&L, trade calendars, and AI health insights.
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Portfolio Allocation
Portfolio allocation charts and concentration views for multi-asset investors.
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Portfolio Risk
Portfolio concentration and exposure analytics for multi-asset investors.
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Investing Guides
Educational investing and personal finance guides linked to Capitallytics tools.
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Personal Finance

Key features

Personal finance dashboard

Net worth, budget, and goals in one overview.

Portfolio tracker

Link investments to the household picture.

Goals & planning

Track progress toward savings and FIRE targets.

Finance calculators

SIP, EMI, retirement, FIRE, and more — free.

Why people use Capitallytics

One system, clear modules

Personal, portfolio, and business spaces stay distinct.

India + global

NSE/BSE, mutual funds, US stocks, ETFs, and multi-currency.

Honest AI positioning

AI-assisted insights grounded in your tracked data — not an autonomous money manager.

Personal Finance FAQ

Short answers on plans, data handling and how this works, before you sign up.

What is a personal finance dashboard?

A dashboard that shows net worth, spending/budget, goals, and often investments in one place so you can see progress without spreadsheets.

Is Capitallytics a personal finance app?

Yes. Capitallytics includes personal finance modules (net worth, budget, goals) plus a portfolio tracker and optional business finance workspace.

Does Capitallytics give financial advice?

No. Tools and AI-assisted insights are educational only and do not replace a licensed advisor.

Get started

Start your personal finance workspace

Create a free account to track net worth, budget, goals, and investments.

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14 days of every paid feature, Personal and Business. No card needed. Keep Free after.