By BillionBits · Android
Every asset you own, with a real health check on your money.
Stocks, mutual funds, crypto, gold, cash and property — tracked honestly in one place, then measured against their legal benchmarks with evidence, not vibes.
Local-first: your data lives on your device unless you turn on cloud sync. No account needed to start.
Everything you own — in one honest place
One net-worth view across every asset class, with provenance and freshness on every number. Nothing is fabricated; unavailable data is shown as unavailable.
Markets
Indian & US stocks, ETFs and mutual funds with live NAV/quotes and money-weighted XIRR.
Cash & metals
Bank balances, recurring cash flow, and gold/silver at live spot converted to INR per gram.
Property & more
Real estate, EPF/PPF/ESOP, liabilities and sinking funds — the whole balance sheet, not just funds.
A health check with evidence
A deterministic engine computes money-weighted returns, fund-vs-legal-benchmark quality, daily-rolled windows, entry-timing evidence and concentration — over common dates, kept separate from your personal timing. When a legal TRI benchmark isn't available, the number is labelled indicative, never passed off as exact.
Money-weighted, not marketing
Your actual XIRR from your actual cash flows — the return you really earned.
Legal benchmark, honestly
Fund vs its SID benchmark TRI over common dates; a proxy series is flagged as indicative.
Nothing stored on the server
Analysis is compute-and-discard: your portfolio snapshot is never persisted server-side.
AI on your terms — three ways, you choose
Interpretation is optional and always grounded in the signed engine report. Pick where each role runs — and the second opinion always runs on a different model for genuine independence.
Built-in
We run it for you (Premium). Easiest — no keys, no setup.
Your API key
Bring your own provider key. It's encrypted on your device and never touches our servers.
Your computer
Use the AI tools already signed in on your own PC or Mac. Your login stays on your computer.
Private by design
Real, implemented guarantees — no compliance theatre.