Family Wealth, Privately Held

Your family's wealth.
One private vault.

Mutual funds, stocks, bonds, bank accounts, insurance, EPF, NPS, PPF, SSY, gold, property, business ownership and loans — consolidated into one financial picture, without uploading your portfolio to someone else's cloud. ₹1,999/year for the entire household — not per user.

Get Started Free → or Get FINUFF from the Microsoft Store

No account required. Your portfolio data stays on your device.

FINUFF Portfolio view — consolidated net worth across mutual funds, stocks, bonds, insurance and more
No FINUFF account required Your portfolio isn't uploaded to our servers One-time install AES-256-GCM encrypted vault 14-day free trial
Windows Available now macOS Build on request Linux Build on request
The Problem

Your financial life is bigger than your portfolio.

Stocks in one placeMutual funds in anotherBank accounts somewhere elseInsurance elsewhereEPF, NPS & PPF elsewherePropertyGoldBusiness interestsLoans

You may have all the information — but still not have one clear financial picture.

FINUFF brings the pieces together.

Why We Built It

Built from a real financial problem.

We realized something while trying to piece together a family's financial picture: having investments is not the same as having financial clarity.

Financial information can be scattered across accounts, platforms, statements and documents — and often one person ends up being the only one who knows where everything is.

FINUFF was built to help solve that gap.

The idea in three lines
See your financial life.Understand it.Keep your family informed.

Read the developer's note ↓

Where FINUFF Fits

Your bank isn't your financial picture.

What you useWhat it shows
Bank appBank accounts
BrokerStocks
Mutual fund platformMutual funds
Insurance portalInsurance
EPF / NPS / PPFRetirement assets
SpreadsheetWhatever you manually enter
FINUFFYour broader financial picture

FINUFF doesn't replace your financial accounts.

It helps you see them as part of one bigger picture.

What Can I Do With It?

Six things you'll actually use it for.

01

See your wealth

Bring investments and assets together.

02

Understand your net worth

See assets and liabilities together.

03

Organize your family finances

Maintain a broader household financial picture.

04

Plan retirement

Bring retirement assets and assumptions into your planning picture.

05

Review your investments

Use the available portfolio and fundamental insights to understand holdings.

06

Prepare for the future

Keep important financial information organized and visible.

Built For The Whole Household

One household. One financial picture.

Your finances don't exist in isolation. Your spouse may have investments. You may have retirement accounts. The family may own property. There may be loans, insurance and other assets.

FINUFF lets you organize the household's broader financial picture together.

₹1,999/yearfor the entire household

Not per user. Every member, every holding.

Start Your Free Trial →
FINUFF Family view showing every household member's holdings in one picture
What FINUFF Actually Does

Four jobs, one vault

Consolidate

Everything your family owns and owes, in one place.

Understand

Returns, allocation, fundamentals, net-worth composition.

Watch

Renewals, maturities, EMIs, subscriptions, new transactions, allocation drift.

Protect

Local encrypted vault, no vendor portfolio database, encrypted backups.

By The Numbers

The numbers behind FINUFF

 

24+Asset & account classes consolidated into one net worth
256-bitAES-GCM encryption for financial records at rest
0Vendor-operated servers storing portfolio or vault data
3Platforms supported — Windows available now, code-signed on the Microsoft Store; macOS & Linux builds on request
Every Account, One Vault

Every account you have, tracked in the same vault

Mutual Funds
Indian Stocks
Global Stocks/ETF's
Bonds & NCDs
ETFs
Gold
Properties
Business Ownership
Money Lent & Borrowed
Cash in Hand
Retirement Planning
Child Education Funds
Emergency Funds
Bank Accounts
NRI Accounts
Fixed Deposits
Recurring Deposits
Credit Cards
Loans & EMIs
Insurance
NPS
EPF / PF
Budget
Subscriptions
The Core Commitment

We don't receive, store, or have access to your portfolio or vault data. There is no backend that stores your portfolio, no account team that can query it, and no server-side copy for us to recover. FINUFF may contact allowlisted market and currency providers for prices and exchange rates — those requests contain only the information required for the lookup, such as a ticker, ISIN or currency pair, not your portfolio, balances or vault contents. ₹1,999/year covers the whole household, not per user or per account — about ₹5.48 a day for the entire household. It covers every mutual fund, stock, bond, insurance policy, loan, EPF and gold holding your family tracks. Your Master Password is the only key that unlocks your data, derived on your own device, and it never leaves it. The trade-off: if you lose your device and your encrypted backup, we cannot recover your vault for you — that's the cost of keeping the data under your control instead of ours.

Features

A single command center for your family's entire financial position

Not just a portfolio tracker — investments, banking, loans, insurance and budget consolidated into one traceable net worth.

Whole Family

Your family's finances, finally in one picture

Spouse. Parents. Children. NRE/NRO accounts. Investments. Insurance. Loans. EPF. NPS. Gold. One vault gives you a consolidated view — with a per-member breakdown whenever you need it.

  • Add a spouse, parent or child — one consolidated financial picture, not five spreadsheets
  • Filter the whole dashboard down to any single member instantly
  • Works the same whether your family is in one city or spread across three countries
FINUFF Family view — combined net worth and per-member breakdown across all family accounts

Every asset type

Mutual funds, stocks, bonds/NCDs, NPS, PF, PPF, SSY, gold, fixed deposits, demat accounts, property and business ownership — domestic and international. Physical gold is valued live by IBJA purity/carat rate; bonds with no live price use accrual/YTM math; foreign holdings auto-resolve ISIN to ticker via OpenFIGI with a Yahoo Finance fallback.

Banks, loans & insurance too

Savings accounts, credit cards, loan EMIs and insurance policies tracked alongside your investments. Insurance carries a 0–100 protection score, a 12-month renewal calendar, and family members auto-extracted straight from the policy PDF — including OCR for scanned documents.

Works fully offline

Your portfolio, holdings and history are always available without an internet connection — only live price and currency refresh needs one.

Built for the global Indian

NRE/NRO accounts tracked as proper account types, budgets in 66+ currencies, cross-border net worth in one vault — not just an India-only tracker.

OFX interchange export

Export your whole portfolio to OFX — the Quicken, GnuCash and MS Money interchange standard. Rare among India-market wealth apps.

Alerts, your way

Insurance, FD/bond maturity, EMI and subscription-renewal reminders with editable lead-time thresholds — delivered by email, SMS, WhatsApp or native browser notification.

Ongoing Value

A financial dashboard that keeps working after setup

It doesn't just consolidate your finances once. It keeps watching the things that change throughout the year — that's what makes FINUFF a yearly service rather than a one-time import tool.

Insurance renewal approaching

A 12-month renewal calendar tracks every policy so a lapse never sneaks up on you.

FD/bond maturity coming up

Fixed deposits and bonds surface their maturity date well ahead of time, not after the fact.

EMI & loan tracking

Every loan's outstanding balance and EMI schedule, in the same place as everything else you own.

Subscription renewals

Recurring subscriptions tracked with their own renewal reminders, so nothing auto-renews unnoticed.

Portfolio allocation changes

See when your asset mix drifts from where it started, across every holding you track.

New transactions from your latest statement

Re-import a fresh CAS or broker statement and only the new activity gets picked up.

Net-Worth Intelligence

Don't just track returns. Track whether your family is getting wealthier.

A portfolio can return 0% for the year and your family can still be meaningfully wealthier — because debt fell, or savings grew. FINUFF separates net-worth growth into three parts instead of one blended return number.

Investment growth, cash/asset growth, and debt reduction — shown separately, so you can see why your family's financial position improved, not just that it did. Labeled with the real elapsed period ("3 months ago", "1 year ago") rather than a number that pretends to be more precise than the data actually is.

Net Worth
₹2.18 Cr ↑ ₹18.4L since last year
Investments+₹12.1L
Debt reduction+₹5.2L
Cash+₹1.1L

Illustrative example — your own figures will differ.

Privacy

Your financial data belongs with you.

No account needed

No FINUFF account required.

On your device

Your portfolio data stays on your device.

AES-256-GCM

Encrypted vault.

Argon2id

Key derivation.

We designed FINUFF around a simple principle:

Your financial information shouldn't need to live in our database for you to use the application.

Security Architecture

Security designed around one principle: your financial data stays yours

Every design decision follows one rule: assume the device could be lost, stolen, or inspected, and ensure the data on it stays meaningless without the one credential only you hold.

Your computerCAS / statements →FINUFF→Encrypted local vault
Market data providers→FINUFF→Prices only, no portfolio data sent
NO PORTFOLIO DATA → FINUFF SERVER

External market requests contain only the information required for the lookup — a ticker, ISIN or currency pair — not your portfolio, balances or vault contents.

ControlStandard applied
Data at restAES-256-GCM, authenticated encryption
Key derivationArgon2id (Password Hashing Competition winner)
Data storage locationClient device only — no vendor-operated server
Network surfaceExplicit-allowlist CSP — no default-open access
Third-party trackingNone — zero analytics, telemetry, or ad SDKs
Screen captureBlocked at the OS level on Windows — window excluded from screenshot/recording tools
Session lockAuto-locks on tab switch, 5-minute idle timeout

Encryption at rest AES-256-GCM

Your financial records at rest — holdings, balances, and policy details — are encrypted using AES-256-GCM for confidentiality and tamper detection. A small set of license-identity fields (name, email, license status), needed to verify the installation before your Master Password is entered, are kept in a separate local index by design.

Master key derivation Argon2id

Your encryption key is derived from your own Master Password using Argon2id, not from guessable identifiers such as your name or ID. Argon2id is designed to make large-scale password guessing substantially more expensive.

Local-first, no vendor copy

No cloud backend for portfolio storage. Your portfolio data remains on your own machine. License verification does not receive portfolio data, and there is no vendor-side portfolio copy.

No tracking. No telemetry. No ads.

No analytics SDK, crash-reporting service, or tracking pixel of any kind. Network calls are limited to allowlisted market/currency lookups, license verification, and — only if you opt in — the alert channel you configure.

Don't Take Our Word For It

Every claim above is something you can check yourself, not just something we assert. Open your browser or OS network monitor while using the app — outbound calls are limited to allowlisted market/currency lookups, license verification (which checks only your license key, email and name — never portfolio data), and, only if you've opted into email/SMS/WhatsApp alerts, the alert service you configured (which receives the alert text itself, e.g. a renewal date — never your full portfolio). The app's Content-Security-Policy ships as an explicit allowlist, not a default-open one, so there's no wildcard hiding an undisclosed destination. There is no FINUFF financial account to create — license verification checks a license key, not a password, and no server on our end ever holds your financial data.

Your Master Password Is Not Recoverable

Because FINUFF never possesses your vault or Master Password, we cannot reset your password or recover an encrypted vault if you lose both your password and backup. Keep your Master Password safe and maintain an encrypted backup — that's the trade-off for a financial vault with no vendor-side copy to fall back on.

Honest Numbers

FINUFF won't pretend to know what it doesn't know

Financial figures are labeled according to how they were obtained.

Live

Fetched market/NAV data from the relevant public provider.

User

Entered by you directly — not computed or independently verified.

Estimate

Calculated using a documented, disclosed assumption when better data isn't available.

Unavailable

Shown as such when there isn't enough reliable data to produce a number — never a guess dressed up as a fact.

Why We Don't Estimate Everything

FINUFF deliberately doesn't turn uncertain valuations into precise-looking numbers. Property and Business Ownership are tracked — at the value you record and keep updated yourself, since there's no live appraisal feed for either. Private/unlisted equity and crypto are where we draw the line: they carry valuation, liquidity, ownership and tax complexities that don't fit the same transparent, auditable calculation model used everywhere else in the app. We'd rather leave a valuation out than give you a precise-looking number we can't defend. It's a scope decision, not a missing feature.

Architectural Independence

Your data shouldn't depend on our existence

FINUFF is a local application. Your vault isn't hosted on our servers, and your financial data isn't dependent on our cloud continuing to operate.

Export your data. Back it up. Move it to another installation. Your wealth remains yours.

Beyond The Basics

Three things most trackers don't do.

Living across countries? Keep your financial picture together.

Native NRE/NRO accounts, budgets in 66+ currencies and cross-border net worth in one place.

Your data shouldn't be trapped.

Export your holdings as OFX for Quicken, GnuCash and other tools. Your data stays portable.

Don't just know what you own. Understand what you're holding.

Fundamentals and quality insights on your stocks and funds, shown as facts with their data sources.

How It Fits Into Your Life

A simple four-step rhythm.

1 · COLLECT

Bring your financial information into FINUFF.

2 · ORGANIZE

Categorize assets, liabilities, investments, protection and other financial information.

3 · UNDERSTAND

See your broader financial position.

4 · REVIEW

Return periodically to understand how your financial picture changes.

Who Is It For?

Find yourself here.

The salaried professional

“I earn well but don't know where everything goes.”

The investor

“I have investments across multiple platforms.”

The family

“We need a clearer picture of our household finances.”

The parent

“I want my financial information organized for my family.”

The NRI

“My financial life spans India and other countries.”

The financially organized

“I already track everything, but I want one consolidated view.”
PK
From The Solution Developer

"I built this because I wanted one place to see my own family's complete net worth — mutual funds, stocks, insurance, EPF, gold — without handing a consolidated statement of everything we own to another company's servers. I didn't want a company to become the permanent custodian of a complete map of everything my family owns. Every design decision since has followed that same rule: if a cloud aggregator wouldn't need your data to do its job, this app doesn't collect it either."

Praveen Kumar Kamaraj · Solution Developer, FINUFF

Positioning

How the alternatives actually compare

Every option available today falls into one of three approaches — each with a different, and often unstated, cost.

DimensionFINUFFCloud Aggregator AppsSpreadsheets / Manual
Where the data livesEncrypted, on-device onlyVendor's cloud serversLocal; security depends on how it is configured
Encryption standardAES-256-GCM + Argon2idVaries, often undisclosedVaries
Exposure if vendor breachedNo portfolio exposure from a vendor-side database — no vendor copy existsPortfolio data exists on the vendor's infrastructureDepends on where the file is stored and how it is protected
Retirement accounts (EPF/NPS/PPF)Native, with compounding calculatorVaries by provider, often unsupportedManual tracking only
Multi-member family viewOne vault, every memberTypically single-accountSeparate files per member
NRI & cross-border financesNative NRE/NRO, 66+ currenciesTypically India-onlyPossible, but unstructured
International interchange export (OFX)Native — Quicken, GnuCash, MS MoneyRare among India-market appsNot possible
Fundamentals & quality screening on your own holdingsBuilt in — sourced from multiple independent providersOften a separate paid tool, or absentFully manual, if attempted at all

Consolidated visibility. Security-first, local-only architecture.

Built for families and individuals who need one consolidated picture of everything FINUFF can reliably track, without accepting a third party as a permanent custodian of that picture — wherever in the world they happen to live.

FAQ

Frequently asked questions

How do I import my CAMS or KFintech CAS into a portfolio tracker?

Download your Consolidated Account Statement (CAS) from MF Central, CAMS or KFintech as a text or PDF file, then drop it into FINUFF's Import screen. It reads the portfolio summary — fund name (AMFI-verified), folio number, cost value, market value and unit balance — directly from the statement, so you don't retype anything.

Does FINUFF work on Windows, macOS and Linux?

Windows is available now for instant download from the Microsoft Store, as a code-signed build. macOS and Linux builds are produced on request — pick your platform in the license request form below and we'll follow up once it's ready.

Can I track NSDL/CDSL demat holdings alongside mutual funds?

Yes. Broker contract notes and demat statements (NSDL and CDSL, including bonds and NCDs held as DEBT-sector rows) import the same way as CAS files, so stocks, ETFs and mutual funds sit in one combined portfolio view instead of separate apps.

What license types are available and what do they cost?

Trial (14 days) is free. Pro (365 days) is ₹1,999/yr, Max (2 years) is ₹2,999 — for the entire household, not per user. That's about ₹5.48 a day for the whole household — to keep your family's financial details in your own hands instead of a vendor's server. Payment details for Pro/Max are shared by email once your request is verified. Verified requests get a response within 24 hours on weekdays, 48 hours on weekends; if it's taking longer than that, drop an email to pkwealthpulse@gmail.com and we'll sort it out.

Is there a family finance tracker that doesn't upload data to the cloud?

FINUFF stores every record — investments, bank accounts, loans, credit cards, insurance policies — locally on your Windows PC. There is no server sync and no cloud account behind your financial data, which matters if you'd rather not hand consolidated statements of your entire family's net worth to a third-party server.

How does device activation work — can I use one license on multiple devices?

A license can be registered on up to 2 devices, but only one is ever active at a time. Logging in on your other registered device instantly makes it active and logs the first one out — no limit hit, no support needed. Trying a genuine 3rd device prompts you to replace one of the two registered slots. If you ever get stuck, email pkwealthpulse@gmail.com for help.

Does FINUFF track real estate, business ownership, or crypto?

Real estate and business ownership, yes — as Property and Business Ownership entries, valued at whatever you record and keep updated yourself (there's no live appraisal or market-comparable feed for either, so the number is only as current as you make it). Money you've lent or borrowed is tracked too, on the appropriate side of your net worth. Private/unlisted equity and crypto are where we draw the line: they carry valuation, liquidity, ownership and tax complexity that doesn't fit the same transparent, auditable model used for the rest of your portfolio — mutual funds, stocks, global equities/ETFs, bonds, gold, bank accounts, deposits, loans, credit cards, insurance and subscriptions. Rather than inventing a precise-looking number for those, we leave it out. It's a scope decision, not a missing feature.

What happens if I lose my device or Master Password?

FINUFF cannot recover a vault it does not possess. If you lose your device, your encrypted backup is the recovery path — restore it on a new install with your Master Password. If you lose both your Master Password and access to a usable backup, the vault cannot be recovered by FINUFF. That's the trade-off for a vault with no vendor-side copy to fall back on — see Profile → Encrypted Backup & Restore.

Does FINUFF send my portfolio to market-data providers?

No. A live price/NAV lookup sends only the identifier needed for that lookup — a ticker, ISIN, fund code or currency pair — to the relevant public provider (AMFI, MoneyControl, BSE, Yahoo Finance, and others). It never sends your quantity, cost basis, balances, or any other part of your portfolio or vault.

Does FINUFF tell me if my finances are actually healthy, or just track the numbers?

Both. Alongside every number it tracks, the Cash & Credit page computes a Financial Health score from six independent metrics — Asset Coverage, Debt Ratio, Savings Rate, Liquidity, EMI Burden and Credit Utilization — so you get a single, explainable read on your financial position, not just a pile of balances. It's paired with a Retirement Planning calculator (required corpus, monthly contribution to close the gap, year-by-year projection) so the "is this healthy" question extends to the decades ahead, not just today.

Why Households Pay For This

Three things ₹1,999/year actually buys

One place for the family's financial picture

Instead of hunting through CAS PDFs, broker statements, bank accounts, insurance documents, NPS/PF records and bonds separately, it's all in one vault.

A private vault, not another cloud account

Local-first, not another financial account in the cloud — and the developer documents what the app doesn't do too, not just what it does.

A financial picture that keeps working after you've entered the data

Excel records what happened once. FINUFF consolidates it, calculates it, and keeps watching it — renewals, maturities, new transactions, allocation drift, debt reduction, net-worth change — so the ₹1,999 buys a year of continuous attention, not a one-time import.

Your family's wealth deserves a bigger picture.

You worked for it.You saved it.You invested it.You protected it.Now understand it.

FINUFF
Your family's wealth. One private vault.
Know your money. Keep your family informed.

Start Your Free Trial →

14 days · full access · no card needed

Get Started

Request Your License

What you're getting

  • One household, one vault — not per user, not per account.
  • Your portfolio data never leaves your device.
  • Verified requests processed within 24–48 hours.
Free
14 days · full access, no card needed

No payment is collected here. Trial is free; Pro/Max payment is confirmed by email only after your request is verified.

Used for identity verification if you ever need license support.

Not your bank's security question — never shared or used for anything else.

Request received

Your FINUFF license request has been received. We're verifying your details — once approved, your license lands straight in your inbox. Expect a response within 24 hours on weekdays, 48 hours on weekends.

Support: pkwealthpulse@gmail.com · pkwealthpulse@outlook.com Contact: Praveen Kumar Kamaraj