Every rupee you own, added up in your browser.

One private ledger for PPF, EPF, FDs, mutual funds, stocks, gold, property and loans. See your net worth, plan goals, check your insurance and compare tax regimes. There is no account, nothing is uploaded, and it works offline.

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Current tax rules built in for 8 countries

  • No sign-up
  • Works offline
  • Free, no ads
Passbook Your whole net worth
Carried forward

Everything you own and owe, in one ledger.

Add each account once. Current values, interest, EMIs and gains are worked out for you, and live prices are fetched only when you ask.

Start adding assets
Retirement accountsPPF, EPF and NPS in India, 401(k) and IRA, ISA and pensions, RRSP and TFSA, Super, CPF and KiwiSaver, each growing at its own rate.
Fixed and recurring depositsValue today, value at maturity, and a heads-up before each one matures.
Mutual funds and stocksIndian fund NAVs update live, stocks and ETFs anywhere can be priced with a free key, and every holding shows its gain or loss.
Gold, silver and cryptoValued at today's spot price per gram or coin, so jewellery and coins count properly.
BondsPriced from coupon, maturity and yield to maturity, since no free live bond prices exist.
Property and rentYour estimate of what it's worth, with rent counted against your EMIs each month.
Loans and card balancesEMI or repayment and balance left on each loan, mortgages included, and a plan for which debt to clear first.
Insurance policiesHealth, term, accident, vehicle and home cover in one place, with renewal reminders.

Drop a payslip. Watch it fill itself in.

Skip the typing. CO₹PU$ reads payslips, tax forms like Form 16, W-2 and P60, bank statements, invoice lists, fund statements and broker holdings, even a phone photo, right inside your browser. You check every number before anything is saved.

Import a document

The work a spreadsheet usually does, done for you.

See Where You Stand

  • Net worth dashboard and trend
  • Financial health score out of 100
  • Charts of allocation, gains and debt
  • Monthly budget and savings rate

Plan Ahead

  • Goals with the exact monthly SIP
  • FIRE number and emergency fund
  • SIP, XIRR, EMI, FIRE and 18 more calculators
  • Projection of your net worth years out

Protect Your Family

  • How much term and health cover fits you
  • Emergency fund and cover gaps, checked
  • Government schemes like PMJJBY in India
  • Insurance pros and cons, plainly

File and Fix

  • Income tax on current rules in 8 countries
  • Old vs new regime and pre-filing check in India
  • Tax deadline reminders for your calendar
  • Where to escalate a bank or insurer complaint

Your numbers stay on this device.

There is no server behind CO₹PU$, no database and no login. Everything you enter is saved in your own browser. Live prices are fetched straight from public sources only when you press refresh, and you can download a backup file whenever you like.

  • No account and no tracking
  • Works without internet once opened
  • Hide every amount with one tap in public
  • Every insight is a readable rule, not a black box

Three steps to a full picture.

  1. 1

    Import or Add What You Have

    Drop in a payslip, bank statement or holdings file, or type rough numbers. Either is fine to start.

  2. 2

    Read Your Dashboard

    Net worth, health score and charts update the moment anything changes.

  3. 3

    Act on the Report

    See what to pay off, top up or claim, with the reasoning shown for each.

Questions, answered plainly.

What is CO₹PU$?

A free, private net worth tracker and money planner for India and seven more countries. Add or import what you own and owe, and get one number, a health score and tax calculators.

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Which countries does it support?

India, the USA, the UK, Canada, Australia, Singapore, the UAE and New Zealand, each with its own currency, tax rules, accounts and deadlines.

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Where is my data stored?

Only in your own browser, on your device. There is no server. Move between devices with a backup file from Settings.

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Is my payslip or bank statement uploaded anywhere?

No. Files are read inside the browser tab and let go. Only the numbers you approve are kept, never PAN, UAN or account numbers.

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Does CO₹PU$ use AI or send my data to an AI service?

No. Insights come from readable rules, and photos are read by a text recogniser that runs offline in your browser.

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Which documents can I import?

Payslips, Form 16, bank statements, invoice lists, Form 26AS or AIS, broker holdings, mutual fund CAS and EPF passbooks, as PDF, Excel, CSV or a photo.

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How is net worth calculated?

Everything you own minus everything you owe. ₹68 lakh of assets with a ₹21 lakh loan is a net worth of ₹47 lakh.

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Does it work for freelancers and the self employed outside India?

Yes. Pick your country and the freelancer tax calculator uses its rules, from US self employment tax to UK Class 4 NI and Canadian CPP.

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Is this financial advice?

No. Its numbers are estimates, not a confirmation. Check big decisions with a qualified professional where you live; our disclaimer lists who, country by country.

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See all 30 questions →

Open your ledger.

It takes a few minutes, and it stays yours.

Open your dashboard