Organise liquid cash, investments, gold, real estate, and every loan in a single personal balance sheet — built for Indian savers.
Build a personal balance sheet
Think like a company: list everything you own (assets) and everything you owe (liabilities). The difference is your net worth. Updating both sides matters — paying down a loan increases net worth even if cash drops.
Useful money categories for India
GoalPehle groups assets into liquid, invested, gold, property, and loans so you can see concentration risk and net worth progress by category.
Invested: mutual funds, stocks, ULIPs you track as investments
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Gold: jewellery or SGB/digital gold at approximate value
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Property: home value minus outstanding home loan
How often to update
Liquid and loans: monthly or when EMIs change. MF/stocks: monthly or after large market moves. Property: once or twice a year unless you buy/sell.
Frequently asked questions
What is an asset and liability tracker?
It is a personal balance sheet: one place for cash, investments, gold, property, and loans so you always know your net worth.
Should I track gold jewellery?
Yes, at a conservative resale estimate if it is part of your wealth plan. Update the value occasionally; do not treat it like emergency cash.
15-days free trial · then yearly membership in the app
Create your account in the GoalPehle mobile app to start a 15-days free trial. After that, you can sign in on web too. Membership is billed yearly at your local App Store or Google Play price — cancel anytime in your store subscription settings.
More guides
How to calculate net worth in India
Learn the net worth formula for India: liquid cash, mutual funds, stocks, EPF/PPF/NPS, gold, property, and loans — and how to track it monthly.
Emergency fund in India: how many months?
How large an emergency fund to keep in India, where to park it, and how it connects to buy checks and your Freedom Target in GoalPehle.
FIRE calculator & financial freedom in India
What financial independence means in India, how FIRE math works with expenses, inflation, EPF/PPF/NPS, and how to estimate your freedom timeline.
Educational content only — not SEBI-registered investment advice.