Your finances stay on your PC — not in someone else’s cloud.
Statements are read and saved on your own device. There is no OffGridWealth server, so nothing of yours is ever uploaded to us.
Your wealth, on your own device — not in someone else’s cloud.
OffGridWealth puts every fund, deposit, policy and loan your family has into one clear picture, then plans your goals, retirement and tax season from it. It runs on your own PC or phone, with no login and no account — and you choose whether it ever goes online.
Free to download. Every feature unlocked for 14 days — no card needed to start. After that the core tracker stays free, and Pro unlocks every feature page with one payment. Never a subscription.
23kinds of holding, plus every loan
16reports, as PDF or Excel
7calculators
22popular policies ready to check
49guide chapters
173money terms, explained
0ads, trackers or servers holding your data
Why people choose it.
Offline-first. Online only when you choose.
Stay fully offline, or switch on the two optional online features — refreshing fund prices and backing up to your own Google Drive — only when you want them.
Your whole picture at a glance.
Net worth, your largest positions and your allocation on one dashboard. Years of spreadsheets become clear totals you can come back to any time.
Retirement estimates from your own numbers.
Goals, FIRE and withdrawal projections built from what you actually hold — powerful planning tools that never leave your device.
Work from data you already trust.
Import the statements and spreadsheet files you already download — CAS, CAMS, MFCentral, broker holdings, NPS and plain CSV.
No ads. No selling your data.
Built for privacy, not for ad revenue. The app earns only when you decide to buy Pro.
14-day full trial.
Try everything on your own data inside the app. No card is needed to start, and nothing you enter is ever lost.
Free from Microsoft Store and Google Play.
The core tracker is free for good. Optional Pro unlocks every feature page with one payment — never a subscription.
Most families can’t say what they’re worth.
Not because they don’t save. Because the money sits in statements, passbooks, portals and policy bonds that never meet.
You don’t know your real return.
The statement shows what you hold, not whether your funds beat a plain index fund — or what you really earned after every SIP and withdrawal.
You can’t tell if you’re on track.
Retirement, a child’s college, a house without a loan. Each needs a monthly number, and nobody has done that arithmetic with your real figures.
Filing season eats a weekend.
Capital gains fund by fund and lot by lot, in the layout the return asks for — usually rebuilt by hand in a spreadsheet every July.
Policies are sold, not explained.
An endowment plan rarely prints the return it earns. Most families find out at maturity, twenty years too late.
Mutual fund CASin your email, as a PDF
Fixed depositsreceipts from two banks
PPF passbookpost office
EPF balanceon the EPFO portal
Policy bondsin the cupboard
Home loanEMI on the 5th
Spouse’s fundsunder another PAN
Sharesdemat account
What are we actually worth?
The usual fix asks for your whole financial life.
Portfolio and account-aggregator apps are convenient because they collect everything onto their servers. OffGridWealth does the same job without collecting anything.
Your data leaves your hands
How most money apps work
- Sign up with your mobile number and email
- Share your PAN, approve OTPs, or let it read your inboxThat is how the statements reach them.
- Your holdings live on the company’s serversAlong with everyone else’s.
- Many earn by selling you funds, loans or insurance
Your data stays with you
How OffGridWealth works
- Install it and open itThere is no OffGridWealth account to make.
- Import the statements you already downloadThey are read right on your phone or PC.
- Everything is saved on your deviceEncrypted if you set a password. Backups go where you choose.
- Pay once, or keep using the free coreNo ads, no products to sell, no data to sell.
Four things that change what a money app is for.
Complete privacy of your financial data.
No account, no PAN, no OTP, no inbox access. Your statements are read on your own phone or PC and never leave it. There is no OffGridWealth server, so there is nothing to hack and nothing to sell.
How it works, exactlyFinancial advice as many times as you like.
An adviser gives you a plan once a year, for a fee. OffGridWealth gives you the same fact-find, the written plan and the yearly review — and you can rerun it every time a number changes: a raise, a new loan, a child, a market fall. Every permutation, on your own data, at no extra cost.
See the Plan BuilderCheck that endowment or ULIP before you sign.
Type in what the agent is offering — premium, term, what it pays back — and see the yearly return it really earns next to an FD, PPF, bonds and a term plan plus index fund. Twenty-two popular plans are built in to start from. Decide with the numbers, not the pitch.
See the Policy checkYour data, backed up to your own Google Drive.
Connect your own Google Drive once and the app keeps a dated backup there — by itself, once a day, encrypted if you set a password. The app can see only the files it saved; nothing else in your Drive. A backup made on the PC can be restored on the phone, and the other way round. Prefer to stay offline? Keep the backup file on the device instead.
Phone and PC, one backup fileHow it compares.
The things that decide whether a money app helps you, or helps itself.
| What matters |  OffGridWealth | A typical portfolio app | Your own spreadsheet | A paid adviser |
|---|---|---|---|---|
| Login, PAN or OTP needed | None. Nothing to sign up for | Yes, usually | No | You hand over documents |
| Where your data is kept | On your own PC or phone | On the company’s servers | On your PC | In their files |
| Works with no internet | Yes, completely | No | Yes | Not an app |
| Everything you own, plus loans | 23 kinds of holding, every loan and card | Mostly market investments | Whatever you build | Yes |
| The whole family together | A profile per member, plus a family view | Sometimes | If you build it | Yes |
| Goals, retirement and a monthly plan | From your real numbers, redone any time | Basic calculators | If you build it | Yes, once a year, for a fee |
| Fund versus index, same money, same dates | Every fund | Rarely | Very hard | Sometimes |
| Capital gains, ready for your return | Summary, lot-wise working, Schedule 112A columns | Sometimes | By hand | Your CA does it |
| Insurance and endowment-policy check | Yes, with 22 common plans built in | Often sells them instead | No | Depends who pays them |
| Sells you products or shows ads | Never | Often | No | Some earn commission |
| What it costs | Free core; one payment for the rest | Free — paid for with your data or commissions | Your evenings | A fee every year |
Typical apps vary. This compares common patterns, not any named product.
Six jobs, one app.
What used to take four apps, a spreadsheet and a yearly meeting with an adviser — each shown in nine seconds. Real screens are on each area’s own page.
Track
Everything you own, in one place.
Import the statements you already download and add the rest once. Funds, shares, deposits, EPF, PPF, NPS, gold, property and policies — minus every loan — for you or the whole family.
- CAS, CAMS and MFCentral files, password-protected PDFs included
- Holdings sheets from Zerodha, Groww, Upstox, Angel One, ICICI Direct, HDFC Securities and Kotak
- 23 kinds of holding, loans and credit cards
- Each SIP with its own XIRR
Plan
A plan built from what you actually own.
Plan Builder asks what a financial planner would ask in a first meeting, fills most answers from your portfolio, and writes your personal financial plan — a risk profile, a monthly amount and a long-term mix. Run it again whenever your numbers change.
- Goals that track themselves, with the date you will reach them
- Retirement and FIRE, year by year to age 90, with seven stress tests
- Withdrawals that last — SWP and a staged drawdown plan
- Seven calculators, from SIP to EMI
Check
Know what is working, and what is not.
The dashboard opens with six money-health checks and a short to-do list written by your own numbers. Every fund is tested against its index with the same money on the same dates.
- Money health: emergency fund, cover, mix, EMIs and savings rate
- What to do next, most urgent first
- Fund health, overlap and regular-plan commissions
- A yearly review, the way an adviser would do it
Tax reports
Filing season without the spreadsheet.
Capital gains worked out first-in first-out from your own transactions, and laid out the way the return asks for them. Reports that help you and your chartered accountant — not tax advice.
- Capital gains summary and the lot-wise working, sale by sale
- Schedule 112A in its own column order
- Unrealised gains, so you know the tax before you sell
- A countdown to 31 March with the tax-free allowance left
Protect
Cover for the people who depend on you.
An honest life and health cover estimate, the real return on that endowment or ULIP, reminders before a premium lapses, and a will draft built from what you own.
- Policy check with 22 popular plans built in
- Same premiums, same dates, in FD, PPF, bonds or term plus index fund
- Premium reminders that add to your calendar
- Nominee list and a will draft to take to a lawyer
Learn
A book on Indian investing, inside the app.
Forty-nine chapters and a 173-term glossary in plain words, written for India, resident or NRI. Tap any underlined word for its meaning, or the ⓘ on any screen to see how a number is worked out.
- From your first SIP to writing a will
- Workbooks you follow step by step
- Every term with a rupee example
- Read it in the app, in the light or dark theme
Off the grid, by design.
Your statements are opened and read on your device. The app reaches the internet only for two things you switch on yourself: refreshing public fund prices, and backing up to your own Google Drive. Nothing that identifies you ever goes to us: no name, no PAN, no folio, no amount.
How your data stays yoursNo account to break into
No sign-up, no password reset emails, no database of customers to leak. Your portfolio exists only on your devices.
Online only when you ask
Refresh NAV fetches public prices; Google Drive backup is optional and off until you connect it. Turn on fully offline mode and both stop. It works the same at sea or on a flight.
Locked, hidden, backed up
An app password encrypts what is saved (AES-256). Privacy mode hides every amount with one tap. An automatic backup is saved before every import, restore or clear.
Made for Indian investors, at home or abroad.
If you hold funds across several AMCs, keep FDs and PPF on the side, and want one honest picture without handing your logins to anyone, this is your app.
Families who save, but don’t track
Funds in two names, a PPF, an FD, a home loan. See it as one household, with a profile for each member and one combined view.
NRIs
The plan knows you are an NRI. The guide has an NRI corner, and the policy check leaves out what NRIs cannot open.
Seafarers and frequent travellers
It works with no signal for months. Import before you sail, review at sea. The guide even has a seafarer’s money chapter.
Retiring, or planning to retire early
Your FI number, the age you reach it, seven what-if stress tests, and a withdrawal plan priced stage by stage.
Phone and PC. One backup file.
The Android app and the Windows program look and work the same. There is no sync server of ours, so you decide where the copies live.
- Save a backup on one device, open it on the other
- Google Drive backup built in: connect your own Drive and both devices share one backup folder
- On a PC, the backup file on this computer is updated after every change
- An automatic backup is saved before anything big — the last five are kept
Try every feature for 14 days.
No card, no sign-up, nothing locked. Load the sample family on day one, import your own statement when you are ready, and decide with your own numbers in front of you.
Day 1: everything unlockedDay 14
Keep everything
One payment and it is yours. No subscription, no renewal, no ads.
Or don’t pay
The core tracker stays free for good: imports, holdings, transactions and backups.
Download it
Windows from the Microsoft Store, Android from Google Play.
Open a sample family
Tap “Try with sample data” and every screen has something to show.
Import your own statement
Drop in your CAS. Funds, folios and every transaction arrive at once.
Before you install.
Do I have to type in my funds?
No. Import the consolidated account statement (CAS) you download from CAMS, KFintech or MFCentral and every fund, folio and transaction comes in at once. Shares come from your broker’s holdings sheet and NPS from the CRA statement.
Does it need my bank or broker login?
Never. It reads files you already have. It cannot place orders, move money or see your accounts.
What happens after 14 days?
Nothing disappears. The core tracker — imports, holdings with XIRR, every asset and loan, your net-worth number, the guide, the calculators, backups — stays free for good. Planning, tax reports, the checks, family and exporting your own reports stay with a one-time purchase. There is no subscription.
Can I use it on my phone and my PC?
Yes. The Android app and the Windows program read the same backup file. Save on one and open on the other, or connect your own Google Drive and both devices share one backup folder.
Is it investment or tax advice?
No. It shows facts and estimates worked out from your own data, with the assumptions on screen. Check big decisions with a professional.
Do I pay once for both phone and PC?
The Android app and the Windows program are bought separately — one through Google Play, one through the Microsoft Store. Buy the one you use, or both; your data moves freely between them either way.
Are updates free?
Yes. Every update within the version you bought is free. If a major new version is ever released, existing users get it at a large discount.
See your own numbers tonight.
Download your consolidated account statement from CAMS, KFintech or MFCentral, install OffGridWealth, and within ten minutes you will know what your family is worth — and what to do next.
Free to download. Every feature unlocked for 14 days — no card needed to start. After that the core tracker stays free, and Pro unlocks every feature page with one payment. Never a subscription.
