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Portfolio Tracker · multi-currency portfolio and net-worth tracker

Every investment, every country, one currency.

Stocks, ETFs and mutual funds in India, the US and London, deposits in any of 142 currencies, provident funds, pensions, gold and property — valued every weekday in the currency you will spend. The headline is your real return, an XIRR set against the rate your own FIRE plan assumes. Free, and no bank or broker login.

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Portfolio Tracker

Return on what you hold, against your own plan

12.7%a year · your plan assumes 11.0%

+1.7% against the rate your plan projects with

Everything you hold₹1.14Cr₹1,14,33,80055.9% of it priced daily
  • Priced holdings₹63.86L5 of 5 listed
  • Gain on what you put in+₹14.46L · +29.3%
  • Today+₹20,510 · +0.3%
  • Held for4.3 yearssince 5 Jun 2022

You put in ₹49.4L Markets added ₹14.46L

Prices as of 11 September 2026 · exchange rates as of 11 September 2026

An illustrative household: Two adults, 38 and 36, two children, earning in Dubai and settling in Pune. Returns are XIRR on priced holdings; typed figures are counted but carry no return.

Portfolio Tracker · stock and mutual fund tracker

Typed once. Priced every weekday. No bank or broker login.

Search by name, ticker, scheme code or ISIN, choose what kind of investment it is, and enter the units and the price you paid. Buys, sells, bonuses, splits and transfers go in a ledger under each holding; a SIP is entered once and each instalment becomes a dated purchase on the day it actually settled.

Every row shows its value, its gain, its own XIRR and thirty days of closes, in your plan’s currency with its own beside it. A holding the feed has not priced yet is valued at what you paid, and the row says so rather than guessing.

How to add a holding, in the Help Centre →

Investments

Every investment, one row eachIn INR, the currency you will spend
InvestmentValueGainXIRR30 days
Nifty 50 index fundIndian mutual funds (AMFI) · Index fund₹25,000 a month₹16.5L₹16,50,000+₹3.5L11.4%
S&P 500 ETFNYSE · Equity ETF₹22.52L$27,000+₹5.84L14.3%
Nifty Next 50 ETFNSE · Equity ETF₹10L₹10,00,000+₹2L13.0%
Sovereign Gold BondNSE · Sovereign Gold Bond₹7L₹7,00,000+₹2L15.0%
FTSE 100 trackerLondon Stock Exchange · Equity ETF₹7.84L£7,000 · quoted in pence+₹1.12L8.1%

Not listed: ₹10,00,000 typed as one figure — counted in the plan, with no return to read until it is listed.

Typed once — a search, the units and the price you paid — then priced every weekday from the exchange’s own close. A SIP becomes a dated purchase each month. No broker login, no statement upload.

Portfolio Tracker · eight live markets

India, the US and London, in one currency.

NSE and BSE from the exchanges’ own daily files, Indian mutual funds by scheme code, NASDAQ, NYSE, US mutual funds, the London Stock Exchange, and UK and European funds by ISIN. Prices are each market’s daily close — never real time.

Each holding keeps the currency its market quotes it in — a London price in pence is read as pence — and converts once, at a rate checked against a second published rate before it is used. Every page says which day the prices and the rates are from.

Investing in India from abroad? The NRI portfolio tracker →

Portfolio Tracker

Where it is held
  • NSENational Stock Exchange of IndiaINR₹17L27% of listed
  • BSEBombay Stock ExchangeINR—
  • AMFIIndian mutual fundsINR₹16.5L26% of listed
  • NYSENew York Stock ExchangeUSD₹22.52L35% of listed
  • NASDAQNASDAQUSD—
  • LSELondon Stock ExchangeGBP₹7.84L12% of listed
  • US fundsUS mutual fundsUSD—
  • UK & EU fundsUK & European fundsGBP · EUR—

Converted once into INR, before anything is computed.

Eight venues priced every weekday. A pence quote on London is read as pence; a holding with no price yet is valued at what you paid, and says so.

Portfolio Tracker · net-worth tracker

Deposits, schemes, gold and property, beside your holdings.

Savings accounts and fixed deposits in any of 142 currencies, named by the country they are banked in. EPF, PPF, NPS, 401(k), super, CPF, ISAs and the schemes of every market Nivritee plans for. Gold and jewellery. Property — with the home you live in counted for net worth and never as money to draw down.

Any class can stay one figure or be broken down, and all of it feeds the same plan: the FIRE Planner’s corpus, the Freedom Ladder’s buckets and the Financial Freedom Index. Add a holding and every one of them moves, because there is only one set of figures.

Investments

  • India retirement schemes₹12L
    EPF₹8L
    NPS₹4L
  • Cash savings & bank deposits₹20.48L
    Savings account · UAE · AED 40,000₹9.08L
    Savings account · India · emergency fund₹5.4LThe emergency fund — the whole account
    Fixed or term deposit · India₹6L
  • Market investments₹73.86L
    Listed holdings · 5, on 4 markets₹63.86L
    Not listed · typed as one figure₹10L
  • Metals & jewellery₹8L
    Gold jewellery₹8L
  • PropertyNot counted
    Flat in Pune · where you will live₹75LYour home — net worth, not corpus
Everything you hold ₹1.14CrCounted toward your independence corpus ₹1.09Cr
Any class can stay one figure or be broken down. Money set aside as the emergency fund leaves the corpus and sits on the ladder’s first rung instead.

Portfolio Tracker · XIRR and six readings

Your real return, judged against your own plan.

The XIRR on everything priced daily, beside the return your plan projects with — here 12.7% against 11.0%. Then six readings: return against your plan, concentration, how much is priced daily, spread across asset classes, markets and currencies, and regular contributions, combined into one score out of 100 and each stated in words as well as colour.

Three of the six are measured against you: the return your plan assumes, the years you have left, and the currency you will be spending. Somebody decades from stopping is not marked down for holding equities, and every row says what it was measured against.

Portfolio Tracker

How the money is arranged

85out of 100

Well arranged
  • Return against your plan67 · StrongReturning 12.7% a year against the 11.0% your plan assumes, over 4.3 years.Measured against the 11.0% a year your own plan projects with
  • Concentration98 · StrongSovereign Gold Bond is 11.0% of what you have listed — the largest single company you own. Nothing here depends on one company going well.Measured against your largest single-company position, against what you have listed
  • Priced daily56 · Sound55.9% of what you hold is priced by a market every day. The rest is a figure you typed, and it moves only when you change it.Measured against how much of your money a market prices — a reading about this page, not about your investing
  • Spread across asset classes100 · StrongHeld across 4 of seven classes, weighted as if across 2.5 — and with 17 years left, 2.2 is the spread this reading looks for. Shares and funds is 58.5% of everything you hold.Measured against how many classes your money is spread over, against the 2.2 this reading looks for with 17 years left
  • Markets and currencies100 · Strong4 markets, with NYSE carrying 35.3%. 52.5% of it is already in INR.Measured against which markets your listed money is in, against the INR you will be spending
  • Regular contributions100 · StrongMoney went in on 24 of the last 24 months, and a SIP is running. This is the one of the six you control every month, and it is the one doing the most work.Measured against how often money actually goes in
Three of the six are judged against this household’s own plan, years and currency — so the same portfolio can read differently for somebody else, and says why.

Portfolio Tracker · what would move this

A ranked list, and your plan re-run at the return you actually got.

The pointers are ordered by how much money each one is about: what is still typed as a single figure, a position carrying too much, contributions that have stopped. Niv reads the same list — she adds no number of her own and never names a security to buy or sell.

Once three years and half of what you hold are priced, the page re-runs your whole plan at your actual return. For the illustrative household that moves the projected stop from 54 to 52 — projected, not promised.

Overview

What would move this

Each one re-run through your whole projection, against the 54 it currently projects.

  1. 1 year earlierSave a little moreA tenth of the ₹1,21,200 a month your plan already leaves over.
  2. 1 year earlierLive on a little less laterA tenth of the ₹15L a year your plan says the life you have now will cost once you stop earning.
  3. No earlierClear the costliest loanThe ₹35,00,000 outstanding on Home loan, at the 8.3% your own repayment schedule implies.
And on the Portfolio Tracker

1Ahead of plan ₹63.86L — Returning 12.7% against the 11.0% your plan assumes, over 4.3 years.

2Not yet listed ₹10L — ₹10,00,000 of what you hold is a single figure — list it as holdings to see its return.

Each figure is a projection on today’s assumptions, not a promise — and each is one change on its own, not all of them together.

Portfolio Tracker · priced and value-only

What a market prices, and what you typed, are kept apart.

A holding with a ledger and a daily close has a real return. A deposit or a figure you typed has a value and nothing else — so the page shows both totals side by side, and never an XIRR “over everything” that would be a number nobody measured.

The return is shown from the first day, and its colour waits for a year: a few weeks’ return, annualised, can look spectacular, and painting it green would be calling noise a good result.

Everything a household holds split into two groups. On the left, priced holdings — listed stocks, ETFs and funds — each with a value, what was put in, a gain and an annual return, marked as priced every weekday. On the right, value-only figures — bank deposits, gold jewellery, a typed market figure — each with a value and nothing else, marked as counted in the plan with no return to read. Beneath both, one total labelled everything you hold, and a note that the return is read only from the left-hand group.

What only Nivritee does

A portfolio tracker that knows when you could stop.

Portfolio trackers do not plan and FIRE calculators do not know what you hold. Here the same holdings feed both, for a whole family, in one currency. See the full comparison →

Every country, one currency

Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.

Tracking and planning, joined up

What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.

Built for a family, not one login

Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.

Benchmarked against your country

Eleven markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.

An assistant that runs the real numbers

Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.

Free, with nothing to sell

No fee, no commissions, no products. Nobody at Nivritee can open your plan.

What each kind of money app typically covers, against Nivritee’s six pillars. Named apps are on the comparison page.
Kind of appPortfolio TrackerFIRE PlannerMoney ManagerFamily FinanceNivFreedom Ladder
Portfolio trackers Yes No No Partly Partly No
FIRE calculators No Yes Partly Partly No No
Budgeting apps Partly Partly Yes Partly Partly No
Document vaults No No No Partly No No
Nivritee Yes Yes Yes Yes Yes Yes

Questions people ask

Before you add the first holding.

Is there a free multi-currency portfolio tracker?

Nivritee is one: free, with no paid tier. Add holdings from eight live venues and deposits in any of 142 currencies, and everything is converted into one currency — the one your plan is set in — at a checked daily rate.

Do I have to connect my broker or bank?

No. There is no broker login, no account linking and no statement upload. You search for a holding and enter the units and the price you paid — or a SIP — once, and it is priced from the exchange’s own daily close every weekday after that.

Which markets can I track, and are prices real time?

NSE and BSE, Indian mutual funds, NASDAQ, NYSE, US mutual funds, the London Stock Exchange, and UK and European funds by ISIN — stocks, ETFs, index funds, ELSS, REITs, bonds, gold ETFs and Sovereign Gold Bonds. Prices are daily closes, not real time, and every page says which day they are from.

How is XIRR worked out, and what is it compared with?

From your own ledger: every purchase, sale and SIP instalment on the date it happened, against today’s value. It is set beside the return your own plan assumes, so it answers whether what you hold is earning what your plan needs — not whether it beat an index somebody else chose.

Can I track a SIP without entering every instalment?

Yes. Enter the SIP once — the amount, how often and when it started — and each instalment becomes a dated purchase on the day the mandate actually settled, at that day’s price. Weekly, fortnightly, monthly and quarterly SIPs are all supported.

Can anybody at Nivritee see my holdings?

No. No internal tool opens a holding or a transaction, and the administrative panel has no path that reads one. The daily price job fetches a security’s close without knowing who holds it.

See every investment in one currency.

Free, with no bank or broker login. About two minutes to a first plan from eight answers, then add holdings whenever you like — every reading updates from the same figures.

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