# WealthDesk — Mutual Funds, Stocks & Markets

> Mutual Funds, Stocks & Markets (iPhone/iPad app by Kaustubh Mhalas.)

- Source: https://appshunter.io/ios/app/wealthdesk/id6761715662 (this page in markdown: same URL + `.md`)
- Developer: [Kaustubh Mhalas](https://appshunter.io/developer/1857165770)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 24 MB
- Languages: American English
- Released: 2026-04-08
- Data updated: 2026-09-08
- User reviews in markdown: https://appshunter.io/ios/app/wealthdesk/id6761715662/reviews.md

## What is WealthDesk?

WealthDesk is a complete wealth management app for the Indian investor — track every asset, follow markets in real time and plan your financial future, with no login and no subscription required.

YOUR WEALTH IN ONE VIEW
Import your portfolio from an NSDL or CDSL CAS PDF — AI extracts every mutual fund, folio, stock and cost of acquisition in under 30 seconds. Add PPF, EPF, NPS, SSY, fixed deposits, bank accounts, real estate and physical gold. Your net worth updates live as markets move. If you hold regular plan funds, a card shows your annual saving from switching to direct. Swipe between Overview (net worth chart, composition, smart tips) and Holdings (every asset grouped by category, including a cross-portfolio risk breakdown across Equity, Debt and Gold).

RESEARCH TOOLS FOR SERIOUS INVESTORS
- Find a Stock: rank all Nifty 500 stocks by 3M to 15Y CAGR. Filter by sector or index (Nifty 50, Next 50, Midcap 150, Smallcap 250). Tap any row for the full returns table. Share a branded card to WhatsApp or Instagram.
- Find a Fund: search by name or filter Direct Growth funds by category, CAGR, expense ratio and fund house. Long-press to save to a watchlist.
- Fund Compare: analyse up to 3 mutual funds side by side — rolling returns, drawdown charts, SIP simulations.
- MF Watchlist: custom watchlists with live NAV and star ratings. Hall of Fame tracks 29 equity funds with 25+ years of history.
- MF Virtual Portfolio: 20 model portfolios or build your own. Backtest with real NAV history or project forward.
- Category Snapshot: rank every fund in a category by returns and drawdown.
- Market Movers: top gainers, losers and 52-week extremes across Nifty 50, Bank and Midcap 150. RSI Screener for oversold and overbought stocks.
- Stock Watchlist: track NSE stocks, global equities and crypto with price alerts that fire even when the app is closed.
- Stock Virtual Portfolio: backtest any basket of stocks with CAGR over 1, 5 and 10 years.
- Avg Down Calculator: find the right share count to reach a target average cost.

LIVE MARKETS — 60-SECOND AUTO-REFRESH
- Global Pulse: live leaderboard across 18 global instruments with period returns from 1W to 5Y.
- India: Nifty 50, Bank Nifty, Midcap 150 and 15 more indices. Charts with RSI, MACD, Pivots, DEMA and FII/DII flows.
- Global: US, European and Asian indices, DXY Dollar Index and VIX.
- Currencies: live rates vs INR with charts from 1D to 5Y.
- Commodities: Gold, Silver, Crude, Natural Gas and Copper in USD and INR.
- Crypto: 20 coins with market cap, 24h volume and full chart history.

PLANNING FOR EVERY LIFE STAGE
- Financial Plan Journey: a guided 9-step wizard — enter your age, risk profile, savings, SIPs, expenses and loans, and WealthDesk builds a complete retirement roadmap with corpus gap analysis, SIP recommendation and SWP Survival Simulator.
- UPI & Transactions Tracker: log payments manually or share a UPI SMS to auto-fill amount, merchant and category. Budget limits, spending patterns and a home screen widget.
- Investor Profile: 14-question SEBI-aligned risk assessment with Equity/Debt/Gold split.
- 3-Bucket Retirement Strategy: Cash, Income and Growth bucket simulator.
- FIRE Calculator: four retirement corpus scenarios with inflation and return assumptions.
- Term Insurance Planner: cover amount and indicative premium via Needs Analysis.
- Compound Interest Calculator: lump-sum and SIP modes with Rate Variance Matrix.
- NPS Exit Planner: PFRDA exit rules with tier-based lump-sum limits.
- Lifecycle Planner: full retirement journey with year-by-year tables.
- SIP, SWP, Goal, Loan and EMI planners.

PRIVACY BY DESIGN
No account. No subscription. CAS PDFs are processed on a secure WealthDesk server and not stored. Portfolio data stays on your device. AI analysis uses category totals only — never fund names or amounts. WealthDesk Connect lets you share with a nominee or advisor — end-to-end encrypted, with per-connection share levels. Market data from public APIs.


## Version history (last 5 releases)

### 7.6 — 2026-09-07

Watchlist Widget — Live Prices on Your Home Screen

Add the new Watchlist Widget (large size) to your home screen and see live stock prices without opening the app. The WealthDesk server pushes fresh prices every minute during NSE market hours via a silent background notification — the widget updates itself automatically. Long-press the widget and tap Edit Widget to choose which of your watchlists to display. Each row shows the stock badge, company name, current price and a green or red change% pill. Open WealthDesk at least once after adding stocks to a watchlist for the widget to appear in the picker.

To add: long-press the home screen → tap + → search WealthDesk → select the large Watchlist Widget → tap Add Widget.

Illustrated Cards — Plan, Research & More

Every feature card in the Plan and Research tabs now carries a large thematic SF Symbol illustration fading in from the corner — each calculator and tool gets its own visual identity. More tab rows get the same treatment with a decorative icon on the trailing edge. Easier to scan, more satisfying to use.

Financial Plan Journey — Completion Hero Card

After finishing the Financial Plan Journey, the Plan tab banner transforms into a completion card showing your projected retirement corpus in gold against a dark teal mountain scene — a clear visual signal that your retirement roadmap is in place. A row below the banner links directly to your Retirement Journey trail.

### 7.5 — 2026-09-05

Today vs Plan

Retirement Progress now shows a "Today vs Plan" card below the chart. It compares your actual corpus today — the green dot — against your on-plan corpus: the amount you should have right now to be perfectly on track for your retirement goal. The on-plan value is back-projected from your retirement target, accounting for all future SIPs and contributions, so the comparison is financially accurate rather than a simple linear guess. The difference is shown in both rupees and percentage, with a green checkmark if you're ahead or a step-up SIP nudge if you're behind.

### 7.4 — 2026-09-04

Retirement Journey Trail

Retirement Progress now logs your corpus every day you open the app and paints each day as a dot on the chart. A solid gold line runs from age 21 straight to today's dot; a dashed projection extends forward to retirement. Over months and years, the trail of dots reveals how markets, SIPs and life events have actually shaped your journey — so you can see deviations from plan at a glance. Requires completing the Financial Plan Journey first — you'll be prompted to start it if you haven't already.

Delete UPI Transactions

Made a typo or logged the same expense twice? Tap any transaction in UPI & Transactions to open it, then use the new Delete button at the bottom of the sheet — you'll get a confirmation prompt before it's removed. For a faster path, long-press a row in the list to delete it inline.

### 7.3 — 2026-09-03

Financial Plan Journey

A guided 9-step wizard that turns your scattered numbers into a complete retirement roadmap. Answer questions once — your current age, retirement age, life expectancy, risk profile, existing portfolio, active SIPs, monthly expenses, EPF/PPF/NPS balances and any loans — and WealthDesk calculates your exact corpus gap, recommends a monthly SIP amount, and shows how long your money lasts after retirement. On completion, the Lifecycle Planner and 3-Bucket Strategy simulator are seeded automatically with your numbers. Find it in the Plan tab as the gold banner at the top.

SWP Survival Simulator

The final step of the Journey shows your projected corpus depleting month by month — adjusted for 6% inflation and your chosen post-retirement return rate. Drag the sliders to stress-test life expectancy and return assumptions, or add an extra monthly SIP to extend your runway. A colour-coded verdict tells you at a glance whether your corpus outlasts you.

Set Your Life Expectancy

The Journey now asks for your life expectancy alongside your current and retirement age. The corpus target and the SWP survival check both use this number — so your plan reflects how long you actually intend it to last, not a one-size-fits-all assumption.

### 7.2 — 2026-08-30

Search by Name — Find a Fund

A search bar now sits at the top of the Fund Screener. Type any part of a fund name to instantly narrow the list — works alongside your existing category, return, and expense ratio filters.

Filter by Index — Find a Stock

Filter the Nifty 500 screener by index membership: Nifty 50, Nifty Next 50, Nifty Midcap 150 or Nifty Smallcap 250. Multi-select to combine indices, and stack with the existing sector filter.

Cleaner More Tab

The More tab now surfaces the essentials — Getting Started, CAS Import, Investor Profile, WealthDesk Connect, Identity Documents and Settings — front and centre. Everything else is tucked into a collapsible Others section.

Wealth Overview — Data First

The Overview tab now leads with your numbers: Net Worth → Wealth Pulse chart → Composition breakdown. Motivational cards and action suggestions follow below so the important data is never buried.

## More apps by Kaustubh Mhalas

- [HealthWise AI: Diet & Weight](https://appshunter.io/ios/app/healthwise-ai-diet-and-weight/id6761326751)
- [Mathimals - Maths for Kids](https://appshunter.io/ios/app/mathimals-maths-for-kids/id6765946398)
- [DeutschFit](https://appshunter.io/ios/app/deutschfit/id6770318160)

All apps by Kaustubh Mhalas: https://appshunter.io/developer/1857165770

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-08.*