Your private
wealth command
centre
The first Indian wealth management platform built for HNI complexity — multi-stream income, private lending, agricultural land, CA portal, and estate access in one secure OS.
No spam. No cold calls. Founding member pricing guaranteed.
Not a tracker.
A command centre.
Most Indians with ₹2 Cr+ in assets manage their wealth across a dozen scattered tools — Excel sheets, Zerodha, broker PDFs, WhatsApp threads with their CA. WealthOS is the single place where all of it lives.
Built specifically for India's HNI reality: salaries alongside farm income alongside private loans alongside Demat portfolios. Every stream, every asset, every liability — tracked with the precision your CA expects.
And because wealth flows through families, WealthOS includes granular multi-user access, a direct CA portal, document vault, insurance tracker, and Life Pulse — a dead man's switch that protects your nominees if something happens to you.
Built for every
corner of HNI life.
Command Center
Your financial cockpit. See real-time net worth, monthly income, YTD totals, estimated tax liability, and passive income ratio at a glance — then drill into any stream, asset, or liability in one click.
- Total net worth with live market sync
- Estimated monthly income with active/passive split
- Projected tax with advance tax due dates
- Monthly burn rate vs last month
- Portfolio yield and debt-to-asset ratio at a glance
Asset Ledger
A comprehensive 8-class inventory of everything you own. Real estate, luxury, digital assets, metals, business interests — all with current valuation, growth tracking, and nominee assignment.
- 8 asset categories including Luxury & Lifestyle
- Portfolio growth chart vs invested value
- Asset allocation by current value
- Agricultural plot, art, watches tracked natively
- Nominee assignment per asset
Income Hub
Multi-stream income tracking built for India's complex earning patterns. Salary, rental, private lending, agriculture, consulting — each stream with its own tax logic and compliance status.
- Private Lending sub-module with per-borrower portfolio
- Rental income with occupancy rate and tenant details
- Behavioural classification: Regular / Variable / Seasonal
- Tax & Compliance tab with ITR-ready exports
- Inflow Log with date, amount, and stream attribution
Expense Hub
Centralised control for cards, subscriptions, and household staff. Log expenses with one tap. Track credit utilisation across cards. Manage payroll for drivers, cooks, security — all in one place.
- Credit card dashboard with utilisation alerts
- Subscription tracker with renewal countdown
- Staff directory with built-in payroll processor
- Quick expense entry with auto tax-category tagging
- Split bill, recurring, and location tagging
Liability Engine
Every loan, EMI, and credit line in one place. Home loans, car loans, personal credit, and margin against securities — all tracked with outstanding balance, interest cost, and payoff projections.
- Debt-to-asset ratio with net worth impact
- EMI calendar with bank-account link
- Interest cost optimiser — prepay vs invest analysis
- Loan against shares & FD tracker
- Foreclosure savings calculator built-in
Protection
A complete view of your insurance and risk coverage in one place. Track life, health, property, and vehicle policies with renewal alerts, coverage gaps, and nominee records.
- Life, health, property, and vehicle policy tracker
- Coverage gap analysis across the family
- Renewal reminders before policy expiry
- Nominee and beneficiary assignment per policy
- Premium payment log and claim history
CA Portal
Give your CA a dedicated read-only portal with module-level access. They see what they need to file your ITR — nothing more. Full audit trail of every view, download, and comment.
- Invite CA via email with defined access scope
- Read-only view — CA cannot modify any data
- ITR-ready summary with income, deductions, LTCG
- Document download log — know what was accessed
- In-app comment thread between you and CA
Doc Locker
End-to-end encrypted vault for every important document you own. Property papers, wills, insurance policies, share certificates, passports — stored securely and accessible to the right people.
- AES-256 encrypted document storage
- Categorised by asset, policy, or person
- Role-based access — share only what you choose
- Version history for updated documents
- Accessible to nominees after Life Pulse activation
Legacy Access
A dead man's switch for your digital wealth. If you stop logging in for 60 days, WealthOS notifies your designated nominees — giving them secure, structured access to everything you built.
- Configurable inactivity window: 30, 60, or 90 days
- Multi-stage alert before activation — not a surprise
- Aadhaar-verified nominee identity before access
- Nominee receives structured PDF + portal read access
- Legal document vault attached to each nominee
Everything you need,
nothing you don't.
Built different.
For India.
| Feature | WealthOS | Kuvera / Groww | Excel / Notion | Generic PMS |
|---|---|---|---|---|
| Multi-stream income tracking | ✓ | — | Partial | — |
| Private Lending module | ✓ | — | — | — |
| Agricultural income support | ✓ | — | — | — |
| 8-class asset ledger | ✓ | — | Partial | ✓ |
| CA read-only portal | ✓ | — | — | Partial |
| Life Pulse estate system | ✓ | — | — | — |
| Role-based family access | ✓ | — | — | Partial |
| India advance tax scheduler | ✓ | — | — | — |
| Encrypted document vault | ✓ | — | — | Partial |
| LTCG / STCG auto-calc | ✓ | ✓ | — | Partial |
Join the WealthOS
waitlist today
We're onboarding 200 HNIs in the first cohort. Founding members get lifetime pricing and direct access to the product team.