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worthly
your wealth companion
Stability | Growth | Clarity
Four questions. Most people can't answer all four.
01
If someone asked you right now — how much are you actually worth?
Not "roughly." The real number — every asset, every liability, one total.
02
When can you afford to stop working — comfortably?
Not "someday." A real year. A real amount you're saving toward, every month.
03
If the market fell 30% tomorrow — how badly would it hurt?
Do you know exactly how exposed you are — or just hoping for the best?
04
You have goals. But are they actually going to happen?
The house. The retirement. On track — or just quietly hoping it works out?

If any of those made you pause — you're not alone.

73%
of Indians have never added up everything they own to get one real number
SEBI Investor Survey, 2023
4 in 5
working professionals have no clear timeline or target for their financial goals
India Financial Wellness Report, 2024
2 out of 3
urban Indians do not have an emergency fund that would actually cover a crisis
NCFE Financial Literacy Survey, 2022
62%
of investors don't know their actual equity-to-debt split across all their accounts
Worthly User Research, 2024
The good news

It takes just 18 minutes to get the real answers.

That's all it takes to go from scattered and guessing to clear and in control.

Worthly
Welcome to Worthly

Wherever you are —
to wherever you want to reach.

18 minutes. Your real net worth, your portfolio health, your goals on a timeline — complete financial clarity, all in one session.

Start free — 18 minutes
Question 01 — Net Worth

Your money has a number.

Most people hold wealth across 4–5 different places and have never seen them together in one honest figure. Stocks, mutual funds, FDs, gold, real estate, EPF, US holdings — Worthly adds them all up.

Every price is fetched live — not yesterday's value, not a rough estimate. Your real net worth, right now.

7 asset classes — Indian & global markets, all priced live
Multi-currency — view in ₹ INR, € EUR, $ USD, £ GBP, or CA$ CAD with one click
No spreadsheet. No manual updates. Upload once and see everything.
Your portfolio — unified
🇮🇳RELIANCE.NS
₹3.12L NSE · live
🇺🇸VWRL.AS
₹8.41L € → ₹ live
🇮🇳ICICI Nifty 50
₹4.80L AMFI NAV
🇮🇳SGB — 40 units
₹2.54L gold spot
🇳🇱Amsterdam flat equity
₹1.92 Cr € → ₹ live
🇮🇳SBI FD — 3yr @ 7.1%
₹24.6L maturity calc
Total Net Worth
6 assets · 3 countries
₹2.68 Cr
₹ INR
€ EUR
$ USD
One click to switch
Question 02 — Retirement

Your wealth has a destination.

Knowing your net worth is just the start. Worthly maps where you stand today against where you want to be — and tells you whether you're on pace to get there.

Set a target. Pick a year. Worthly projects your trajectory and surfaces the exact SIP gap if you're falling short.

Set multiple goals — retirement, home, education, financial freedom
See projected net worth under conservative, moderate & aggressive returns
Find out exactly how much more to invest monthly to close the gap
Goal tracker — live
🏠 Home purchase
On track ✓
Target: ₹1.2 Cr by 2028 ₹94L today
🎯 Early retirement
⚠ SIP gap
Target: ₹5 Cr by age 50 ₹2.1 Cr today
Worthly's suggestion
Increase your monthly SIP by ₹12,400 to reach ₹5 Cr by age 50 — even under the conservative scenario.
Question 03 — Health Score

Your portfolio has a score.

Not a vanity metric. A real, personalised assessment across 6 dimensions — savings rate, emergency fund, insurance, investment pace, allocation balance, and gold. Scored out of 100.

The score tells you how resilient your portfolio is right now — and the one action that would improve it most.

6-dimension scoring — see exactly where you're strong and where you're exposed
Benchmarked against healthy financial ratios — not guesswork
One prioritised action — not a list of 20 things, just the most important one
Financial health — assessed
82
out of 100
Good standing — two areas need attention before your score reaches the top tier.
Savings rate ✓ Good
Emergency fund ⚠ Watch
Investment pace ✓ Good
Allocation ✗ Action needed
If you do one thing this month
Redirect ₹8,500/month to a liquid fund — close the emergency fund gap in ~11 months without pausing your SIPs.
Question 04 — Goal Tracking

Your goals have a timeline.

A goal without a timeline is just a wish. Worthly takes each goal — the house, the retirement, the education fund — and tells you exactly where you stand against it.

On track, ahead, or behind — you'll know. And if there's a gap, Worthly tells you exactly what to change and by how much.

Per-goal progress tracking — each goal gets its own target and SIP calculation
Gap alerts — see which goals are at risk and what it takes to save them
Three return scenarios — conservative, moderate, aggressive — so you plan for reality
Your goals at a glance
🏠 Dream Home
On track ✓
₹1.2 Cr by 2028 · SIP: ₹25K/mo
✈️ Sabbatical fund
On track ✓
₹30L by 2026 · SIP: ₹8K/mo
🎯 Early retirement
⚠ Gap
₹5 Cr by age 50 · need +₹12.4K/mo
Ready?

Get all four answers.
Free. In 18 minutes.

Your numbers live in your vault. We run the engine — not the storage. No account needed to start.

Start for free
Your numbers. Your vault. Our engine.
There's more to explore

Curious where to go next?

Each page answers one question. Follow your curiosity.

What is Worthly
What exactly does it track — and how?
7 asset classes. Live prices. Multi-currency. A health score that tells you exactly where to improve.
Explore features →
Why Worthly
Do I actually need this?
Three real journeys. Four questions most people never stop to ask. One habit that changes everything.
See the case for it →
When Worthly
Is now the right moment for me?
New salary. New country. New goal. Market shift. Life changes — Worthly is ready when it does.
Find your moment →
How is Worthly
Who built this, and can I trust it?
FAQ, roadmap, feedback, and a note from the maker. Built carefully — in public, with your input.
Meet the product →