One portfolio view. Every asset class. No login.
Add your equity, debt, gold, real estate and cash holdings in one place. Vybe Money computes weighted expected returns, tracks allocation drift versus a target, and runs XIRR from your actual buy/sell cash flows.
Five buckets, one story
Every rupee you own lives in one of five buckets: Equity, Debt, Gold, Real Estate or Cash. Wealth management fundamentally is deciding what percentage of your money sits in each — and then quietly rebalancing when the market pushes you away from that target. Vybe Money shows both your actual allocation and your target allocation on one chart.
XIRR is the honest return
Simple return (current value ÷ invested amount) is misleading when you've been adding SIPs over years. XIRR — the internal rate of return on your actual, irregular cash flows — is the number you should compare against benchmarks. Vybe Money solves XIRR via Newton–Raphson with a bisection fallback, matching the value Excel and MS Money would give you.
Rebalancing without the drama
A tracker that just shows current value isn't very useful. Vybe Money highlights allocation drift — how far each bucket has moved from your target — and suggests where new SIPs should flow to nudge you back, no forced selling required. Rebalancing this way is tax-efficient and behaviourally sustainable.
Private, encrypted wealth management
Your holdings are encrypted on your device. If you sign in, an encrypted copy syncs to your account so you can pick up on another device — we see your email, never your numbers. You maintain the portfolio by hand (or by CAS/JSON import); no scraping of your broker accounts.