The App
See WealthElements in Action
A complete financial operating system — built for how Indians actually live, earn, and plan.
Net Worth
Assets, Liabilities & Growth
Plan for life's 8 major milestones. Invest smarter in mutual funds. Build real financial discipline — with an AI advisor that speaks your language.
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Financial Health
84/100
EXCELLENT
Net Worth
₹1Cr
Monthly SIP
₹15,200
Lifestyle Alert
Spending up 23% ↑
₹1 Cr
Avg net worth tracked
8
Life milestones covered
83%
Faster plan computation
47+
Metrics per fund
9
Indian languages
1,500+ mutual funds, complex tax rules, conflicting advice. Most Indians don't know where to begin.
WealthElements' 8 Events Framework gives you a clear, structured roadmap for every life milestone.
67% of Indians who start SIPs quit within a year. No visible progress. No motivation. No accountability.
Gamified milestones, real-time progress tracking, and rewards keep you engaged and on track.
Generic dashboards show numbers but don't coach you, warn you, or adapt when your life changes.
Your in-house AI advisor understands your full financial picture and proactively adapts to life changes.
Most finance apps track transactions. WealthElements builds a living model of your life — family health, career stability, upcoming milestones, and even diseases — and uses it to make every recommendation personal.
Layer 1
A smart 8-question checkin every 90 days — not a boring form. It asks what actually matters: family health, income security, upcoming life events, and how you feel about risk.
"Does anyone in your family have a health condition that could mean big medical costs?"
"How secure does your income feel right now?"
"Any big money moments in the next 2–3 years?"
Answers are AI-processed into structured financial context — no manual entry.
Layer 2
Every message you send to your AI advisor is passively analysed in the background — zero delay to you. It silently builds your life profile from natural conversation.
"My dad has diabetes" → health flag + ₹cost estimate created silently
"Company is doing layoffs" → career risk flagged, urgency = HIGH
"Planning a wedding next year" → upcoming expense captured, timeline set
Signals feed silently into your context profile — next AI response already knows.
Layer 3
5 automated behavioural detectors scan your bank transactions on schedule — no action needed from you.
Recurring medical spend ≥₹5K/month
HIGHEMIs exceed 50% of income
CRITICALIncome drops below 75% of avg
CRITICALSIP cancelled or reduced >30%
HIGHWhen a health condition is detected — from your checkin, a casual mention in chat, or a recurring medical payment — WealthElements immediately calculates the full financial impact.
Annual recurring treatment cost (min–max range)
Total medical corpus needed over the horizon
Monthly SIP required to build that corpus
Insurance gap — how much your cover falls short
Example — Father with Diabetes (Age 62)
Triggered automatically when you mention "My dad has diabetes" in chat.
The 5 Life Dimensions WealthElements Tracks
Family Health
Conditions, severity, cost estimates, insurance gap per member
Career
Stability score 1–10, income change direction & %
Upcoming Expenses
Wedding, home, education — amount, date, certainty level
Relationships
Marital status, marriage plans, family transitions
Lifestyle
Risk appetite, FIRE retirement age, travel priority, values
Proprietary AI that understands your complete financial picture — not generic tips. It knows your goals, family, debt, and life events.
Automatically understands your family health, career stability, upcoming expenses, and relationship milestones — without filling endless forms.
"Based on your father's medical condition, I've flagged ₹2.4L in potential annual health costs."
Real-time optimization computes the exact SIP split across all 8 goals. Recalculates instantly when your income, goals, or life changes.
"You got a raise. I've optimised your SIPs — retirement corpus on track 3 years earlier."
AI-generated monthly snapshot: net worth trend, what's working, what's at risk, and a prioritised 30-day action plan — so you always know what to do next.
"This month: +₹1.2L net worth. Risk: lifestyle spending up 23%. Action: reduce subscriptions."
Detects lifestyle inflation, insurance gaps, EMI overload, and debt risks before they damage your financial health. Warns you with clear, actionable steps.
"Your EMI ratio hit 43%. Threshold is 40%. Here's what to do before it affects your credit score."
99.2%
Plan Accuracy
10x
Faster than manual
83%
Fewer calculations
9
Languages supported
Ask financial questions by voice or text. Get personalised answers in 9 Indian languages. Auto-detects your language — no settings needed.
Live Translation Demo
"How much should I invest for my child's education?"
English
AI Response:
Based on Arjun's age (4), 12% education inflation — you need ₹8,500/month SIP for 14 years to cover ₹32L in costs.
A complete financial operating system — built for how Indians actually live, earn, and plan.
Assets, Liabilities & Growth
Our adaptive engine calculates the exact SIP you need for each goal — and recalculates automatically when life changes.
6–12 months of expenses. Your first financial safety net.
Future-proof rising education costs. Start early, stress less.
Celebrate without financial stress. A corpus built over years.
Down payment, stamp duty, registration — all planned for.
Build a corpus. Minimise loan burden. Buy on your terms.
Travel guilt-free — a dedicated corpus so savings aren't dipped.
Retire on your own terms. Know the exact number you need.
Startup fund, elder care, sabbatical — any goal unique to you.
WealthElements turns your monthly transactions into visual clarity — so you know exactly where every rupee is going, instantly.
MARCH 2025
₹68,400 spent
Needs
₹34,200 · 50%
Wants
₹19,150 · 28%
Savings / SIPs
₹8,900 · 13%
EMIs
₹6,150 · 9%
AI Insight: Dining spend is up ₹2,800 vs last month. Consider packing lunch 3x/week to save ~₹1,500.
6-Month Spending Trend
Top Spending Categories
Join the waitlist now and lock in early-bird rates — prices go up at launch.
FREE
₹0 /mo
Forever free, no card needed
PRO
₹99 /mo
₹139
Early bird — save ₹40/mo
FAMILY
₹199 /mo
₹279
Up to 4 family members
All prices in INR · Cancel anytime · No credit card required to join waitlist
"Finally a finance app that tells me exactly which SIP to start and why. The 8 Events plan made everything click — I procrastinated for 2 years before this."
Rohan Sharma
Software Engineer, Bengaluru
"The Hindi voice feature changed everything. I can just speak my questions and get real answers — not generic tips. It feels like talking to a CA who actually knows me."
Priya Mehta
Architect, Mumbai
"The Reality Report caught my lifestyle inflation before it became a crisis. I was spending 23% more than 6 months ago without realising. This app literally saved my financial plan."
Amit Nair
Business Owner, Delhi
Enter your name and mobile. Get early access credentials and founding member perks before public launch.
Connect income, accounts, goals, and life context. Our AI starts learning your unique situation instantly.
Your in-house CFO plans, tracks, alerts, and adapts — so your money works as hard as you do.
Join 12,000+ Indians planning smarter with WealthElements. Founding members get exclusive features, priority access, and lifetime perks.
Free to join · Razorpay secured · Cancel anytime · Launches Q3 2026