One wallet, one score
Cash, savings and net worth in a single view, with instant transfers between them. Net worth only ever moves because a ledger entry moved it.
Earn it. Spend it. Invest it. Build it.
Part banking app, part life sim, part investing game. Earn a salary, run a household, and invest in a market that moves on its own.
Virtual money only. No deposits, no bank details, no real risk.
Net worth
+2.4% this month₹2,84,650
- Cash
- ₹41,320
- Savings
- ₹96,000
- Invested
- ₹1,47,330
Latest activitySalary credited +₹48,000
Demo account with sample data. Simulated clock: 1 real day is 1 month in Wealthify.
Features
A whole financial life, with none of the risk
Every system in the simulator, built around one rule: the client never decides what anything costs, and no balance ever changes without a ledger entry behind it.
Income that isn't a button
Start as an Intern and work the career ladder to Executive. Salary credits itself when the simulated month turns over — there is no claim button to forget.
Skills change the work
Six skills, five levels each, bought with money and paid for in waiting. Every level raises the fee and shortens the job — and levels held anywhere make everything else faster.
Freelance work, then transfer
Take a job, let the timer run, and the fee lands in escrow. It reaches your wallet only when you transfer it — which is the whole point of taking it.
A store with consequences
Buy the gear that raises what your work pays. Then keep paying for it: some purchases add a monthly bill you will meet again.
Receipts you can reopen
Every movement is immutable, with its own reference, method and the balance it produced. Nothing is edited after the fact — corrections are new entries.
Payments
Payments that behave like payments
A real payment has a shape: a network, a bank, a reference, and a moment where it could still fail. UPI here runs the whole ten beats, with your PIN in the middle where it belongs.
Pay with UPI
10 steps- 1Opening your UPI app
- 2Verifying the merchant
- 3Raising the collect request
- 4Approving with your UPI PINYour 4-digit PIN, asked for mid-flight
- 5Request sent to your bank
- 6Waiting for your approval
- 7Authorising the debit
- 8Debiting your account
- 9Confirming with the merchant
- 10Generating the payment reference
A PIN, not a checkbox
Four digits, hashed at rest, required for every payment. Five wrong tries locks payments for ten minutes.
Sound and haptics
Synthesised on your device, not downloaded — a click for each key, a chime when money lands. Both toggleable.
It can say no
Payments get declined. Insufficient funds shows exactly what you had, what was needed and how far short you were.
How it works
From empty wallet to net worth
Four steps, and the same loop over and over until the number looks like something you built.
- Step 1
Create an account
You start with ₹25,000 of virtual money. No card, no deposit, no bank details — nothing here touches real accounts.
- Step 2
Earn it
Take a salary on the career ladder, learn skills to unlock better-paid work, and claim small daily tasks to keep a streak alive.
- Step 3
Spend and save it
Groceries, rent, a laptop, a car. Some purchases raise what your work pays, and some of them come with a bill you keep meeting.
- Step 4
Watch the number
Net worth is cash plus savings plus investments. Decisions you make in week one are visible in it a month later.
One real day is one simulated month
Salary, bills and interest all run on that clock. A payday-to-payday month passes in about a day of real time — fast enough to watch a decision come back around.
Markets
The market isn't open yet
Investing is the next sprint, not a promise we can demo today. Here is exactly what is being built.
In development
Simulated stocks
Prices that move on their own, with no guaranteed returns.
A real portfolio
Positions, average buy price, and profit or loss that updates.
Sector events
Occasional shocks that move a whole category at once.
Until it ships, savings is the only place money grows — and the store, the career ladder and the freelance board are where it comes from.
FAQ
The questions everyone asks
Mostly variations on one: is any of this real?
No. Wealthify is a simulator. There are no deposits, no withdrawals, no payment gateway and no bank connection anywhere in it. Every rupee is fictional and every balance lives in our database.
Start with ₹25,000 that isn't real
No card, no deposit, no bank details. Just an account, a salary to earn and a number to grow.