Every paisa, in one honest ledger.

Your family has kept a bahi-khata for generations. EveryPaisa is that ledger, rebuilt: stocks, mutual funds, FDs, PF, gold, property, vehicles, insurance and loans, with your bank and broker alerts filed in for you.

Start freeSee how it works

Free for individuals. Your data is encrypted and never sold.

Scroll to open the ledger

The problem

Your money lives in forty places. You remember maybe twelve.

A debit SMS here, a CAS PDF there, the LIC receipt in a drawer, the FD your father opened in 2014, the car's PUC that expired last week. Nobody has the full picture, least of all at tax time.

19asset classes, from stocks and F&O to vehicles and the gold in the locker.
30+tax and CA reports, including Schedule 112A and grandfathered LTCG.
1net worth number for you, or for the whole family.

How it works

Your inbox already has the data. We read it, you approve it.

  1. Pick the senders you trust

    Connect Gmail with read-only access and choose your bank, broker and registrar. We only ever search mail from those addresses, never the rest of your inbox.

  2. Each alert becomes an entry

    Amount, date, instrument and account are pulled out of every alert, SIP debit and contract note. Personal identifiers are stripped before anything is parsed.

  3. You approve, once

    New entries wait in a review queue. After five clean entries from a sender, you can let that sender file straight into the ledger.

  4. The ledger adds up

    Holdings, gains, XIRR and net worth recalculate from the transactions themselves, so the numbers are always traceable back to a source.

Prefer files or direct links? These work too:

  • CAS from CAMS & KFintech
  • MF Central
  • Account Aggregator
  • Broker contract notes
  • Tradebooks & P&L files
  • EPF passbook
  • Excel & CSV
  • Manual entry

What it tracks

Nineteen asset classes. One index.

Every folio in the ledger knows the rules of its asset: how it is priced, how it is taxed, and when it needs your attention.

Folio 1 of 19

Bank accounts

Balances, statements and every credit and debit, matched to the rest of your money.

  • Savings, current and salary accounts
  • Statement and alert imports
  • Bank reconciliation report

Inside the app

Not ten dashboards. One place that answers the question you actually have.

What am I worth?

The whole family's money, on one page.

Net worth across every asset, allocation, XIRR and profit, and the alerts that need you this week.

  • Net worth history and cash-flow forecast
  • Best and worst performers, risk and correlation
  • A what-if simulator for your allocation
  • A portfolio score with plain-language fixes
DashboardFamily · 4 members
Your financial portrait
Total net worth
₹1,84,62,310
+₹22,48,905 unrealised · XIRR 14.2%
Equities 40%Mutual funds 25%Real estate 19%Other 16%
Invested
₹1,38,40,500
Today
+₹55,095
Liabilities
₹31,20,000
Car insurance renews12 days
SBI FD matures18 Mar
October rent, Flat 302Received

Is this fund any good?

Mutual fund research you can actually read.

Each fund gets a score built from returns, risk, cost and consistency, with the reasoning shown, not hidden.

  • Rolling returns and drawdowns over 1, 3 and 5 years
  • Overlap between the funds you hold
  • Look-through to the stocks underneath
  • Expense ratio drag, riskometer and tax lots
Mutual fundsFund analysis
Flexi cap · Direct growth
Parag Parikh Flexi Cap
82/100
Returns
Risk
Cost
Consistency
3-year rolling returns
6%median 17.8%28%
Overlap with what you hold
vs Axis Bluechip38%
vs Mirae Large Cap24%
Why 82 Beat its category in 81% of rolling 3-year windows, with a shallower worst fall (−21% vs −29%) and one of the lowest costs in flexi cap.

What do I owe?

Capital gains your CA can sign off on.

Gains are matched lot by lot using FIFO, with grandfathering for holdings bought before 31 January 2018.

  • STCG, LTCG and intraday, split by asset and broker
  • Schedule 112A, ready for the ITR
  • Advance tax and tax-loss harvesting suggestions
  • One-click export to Tally
TaxFY 2025–26
Capital gains
STCG
₹1,12,340
LTCG
₹2,86,910
Exempt used
₹1,25,000
Schedule 112AFIFO
ScripCostGain
HDFCBANK GF₹2,41,800₹96,420
ITC₹88,150₹41,075
Axis Bluechip₹1,50,000₹62,310
TATAMOTORS₹64,900−₹8,240
Harvest Book ₹31,600 of losses in 2 funds to cut STCG tax by about ₹6,300.

Is my family covered?

Insurance, read against what you actually need.

See every policy, where the gaps are, and what is due. Print an emergency sheet the family can find when it matters.

  • Life, health, motor and home policies in one list
  • Coverage gaps, explained in plain words
  • Premium and renewal reminders
  • Succession: nominees get verified access if something happens to you
InsuranceCoverage
Is the family covered?
Life cover
₹2.0 Cr
Need ≈ ₹2.6 Cr · gap ₹60 L
Health, family floater
₹10 L + ₹40 L top-up
Room rent: no cap
Term plan · annualDue 4 Nov
Car · comprehensive12 days
Home · contentsMar 2027
Emergency sheetPolicies, nominees, claim numbers and who to call, on one printable page.Print for the family

When does the PUC expire?

Cars, flats and tenants, looked after.

Add a vehicle by its registration number and the RC details fill in. Add a tenancy and the rent receipts write themselves.

  • PUC, insurance, fitness and road-tax expiry alerts
  • Pending challans and today's fuel prices
  • Rent due dates, overdue reminders and receipts
  • Property value, expenses and capital gains on sale
VehiclesRefreshed today
MH 01 XX 4821
Sedan · Petrol · 2019 · Owner 1
Est. value ₹6,40,000
PUC
Expired 12 Oct
Insurance
25 Oct 2026
Fitness
Jun 2034
Challans
None pending
Petrol today, Mumbai₹103.50 / L
Road tax valid till2034
Flat 302 · tenant R. SharmaOct rent received
Next due 5 Nov · ₹32,000Lease ends Mar 2027

Can I prepay the home loan?

Everyday money, without the spreadsheet.

Loans, credit cards, EMIs and the dinner bill you split with friends live in the same ledger as your investments.

  • EMI calculator with current home-loan rates and prepayment
  • Home-loan tax benefits under 24(b) and 80C
  • Credit cards, dues and money you've lent
  • Split expenses with friends and settle up over UPI
EMI calculatorHome loan
₹50 L at 8.5% for 20 years
Monthly EMI
₹43,391
Principal ₹50,00,000Interest ₹54,13,840
Prepay ₹2 L every March
Loan closes6 yrs 4 mo early
Interest saved₹21,86,000
Current home-loan rates
Public sector bank8.10%
Private bank8.50%
Housing finance co.8.75%
Goa trip · 4 friendsyou're owed ₹4,250
Ananya owes you ₹2,100Settle via UPI

And for the whole household?

One view for the family. One workspace for your CA.

Add parents, a spouse or children, manage accounts for members who won't log in, and invite your CA with their own secure access.

  • Consolidated family net worth and reports
  • Shared goals: retirement, education, a home
  • CA workspace with full double-entry accounting
  • Trial balance, P&L and balance sheet per client
FamilyKapoor household
Family net worth
₹3,12,40,600
XIRR 12.8%
AKArjun (you)
₹1.84 Cr
MKMeera
₹68.2 L
RKFather · managed
₹53.6 L
IKIshaan
₹6.4 L
Goal · Ishaan's college
₹38 L of ₹60 L
CA access
Mehta & Co.
Reports · read-only · 2FA on

See every feature

Who it's for

Built for the way Indian families hold money.

For you

You invest through two brokers and four AMCs, have a PF you never look at and an FD that renews itself. You want one number you can trust and a tax report that doesn't take a weekend.

Salaried professionals, first-time investors, active traders.

For your family

Your parents' FDs, your spouse's mutual funds, the flat in your father's name. See it together, plan goals together, and make sure everyone knows where things are.

Households, joint families, people managing money for parents.

For your CA

Give your chartered accountant or adviser their own login to your books. They get the reports they file with: ledgers, trial balance, Schedule 112A, Tally export.

Chartered accountants, advisers, family offices.

Privacy

Sealed like the family ledger in the almirah.

This is the most private data you have. We built EveryPaisa assuming that, from the database up.

  • Read-only, and only what you chooseGmail access is read-only and limited to the senders you pick. You can revoke it from your Google account at any time.
  • Identifiers encrypted at restPAN, account, folio and policy numbers are encrypted with a key unique to you.
  • Stripped before parsingNames, PAN and account numbers are removed before any alert is read by AI.
  • Walled off per userRow-level security in the database refuses to return another person's rows, even if our own code makes a mistake.
  • Two-factor sign-inAuthenticator app codes and backup codes, required for CA and adviser workspaces.
  • Leave whenever you likeDownload your reports any time, or delete your account and every record with it.

How we protect your data

Pricing

Free for your own money. Pay when you automate, or add the family.

Feature

Free

Your net worth in one place.

₹0forever

Plus

Automatic imports and the full report catalogue.

Coming soonmonthly or yearly

Family

One consolidated view for the household.

Coming soon3 members included

Pro / Adviser

For CAs and advisers running client books.

Coming soonper practice
All 19 asset classesYesYesYesYes
Net worth dashboardYesYesYesYes
Portfolios1MultipleMultipleUnlimited clients
ReportsHoldings, XIRR, cash flow30+ tax & CA reports30+, family-wise30+, incl. F&O reports
Inbox & Account Aggregator imports—YesYesPriority refresh
Ask-in-plain-English assistant—YesYesYes
Goal projections—YesYesYes
Family net worth & sharing——YesYes
Double-entry accounting, Tally export———Yes

Start on Free today. Paid plan prices will be published before paid features are switched on. Create a free account.

Where it runs

On your laptop, your desk and your phone.

  • WebWorks in any modern browser. Nothing to install.
  • DesktopAn app for Windows and Mac, in its own window, with the same account and data. It updates itself.
  • PhoneFully usable on mobile today; add it to your home screen. Native apps are on the way.
Download for Windows Download for Mac

Free, signs in to the same account, and updates itself. All downloads

Questions

Things people ask before they trust us with their money.

Can EveryPaisa move my money or place trades?

No. EveryPaisa only reads. It has no way to move money, place orders or change anything at your bank or broker.

Do you read my whole inbox?

No. You choose the senders, like your bank's alert address or your broker. We search only mail from those addresses, with read-only access you can revoke from your Google account at any time.

Which brokers and fund houses are supported?

Mutual funds come in through your CAS from CAMS and KFintech or MF Central, which covers every AMC. Stocks come from contract notes and tradebooks from major brokers including Zerodha, Upstox, Angel One and Kotak, from your demat CAS, or from the Account Aggregator network. Anything else can be added from Excel or by hand.

How accurate are the capital gains?

Gains are computed from your transactions lot by lot, using FIFO, with the 31 January 2018 grandfathering rule and current holding-period rules for equity, debt and hybrid funds. Each figure links back to the buys and sells it came from, so your CA can check it.

What happens to my data if I leave?

Every report can be downloaded as PDF or Excel at any time. Deleting your account removes your records from our systems.

Is this investment advice?

EveryPaisa is a tracking and reporting tool. Scores, insights and suggestions help you understand your money; they aren't a recommendation to buy or sell anything.

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