AA framework
Automatic account aggregation
Link banks, mutual funds, equities, NPS and loans through India's RBI-regulated Account Aggregator rails. Balances and transactions arrive on their own — you never type a number in.
Built for India · Account Aggregator native
Empower your finances
with Nxworth.
Nxworth pulls your bank, investment and loan data straight from the source over India’s Account Aggregator rails — then turns it into one live net worth number, effortless expense tracking, and recommendations worth real rupees.
Join the early-access waitlist · ₹99/month at launch · no card needed today
- RBI-regulated AA rails
- Read-only access
- No net-banking passwords
nxworth · overviewSynced 2m ago
Total net worth
₹7,26,030
4.8% this monthMarAprMayJunJulAug
This month’s spending · ₹90,000
Rent & bills₹34,200
Food & dining₹19,800
Travel₹15,300
Everything else₹20,700
Linked accounts
- Savings · HDFCLinked via AA₹4,82,300
- Mutual fundsAuto-synced₹11,96,450
- Home loanAuto-synced−₹9,14,000
- Credit cards2 cards−₹38,720
Insight
Dining is up 31% over your 6-month average. Trimming it back to ₹15,000 would add ₹57,600 to your net worth this year.
Product illustration. Figures shown are sample data.
2 min
to link your first account
0
transactions typed by hand
₹99
per month, all features in
14 days
free trial, no card up front
Features
Everything your money is doing, in one place.
Most money apps ask you to do the work. Nxworth reads from the source, keeps itself current, and spends its energy telling you what to do next.
Zero data entry
Expenses that categorise themselves
Every debit lands in the right bucket automatically, across all your accounts and cards at once. Rename a category and Nxworth remembers it for good.
Assets − liabilities
One live net worth number
Assets minus liabilities, recalculated as the data lands. Watch the line over months and years instead of guessing at a scattered pile of app balances.
Tailored guidance
Insights you can actually act on
Not another pie chart. Nxworth tells you which subscription drifted up, which loan is costing you most, and what a specific change is worth in rupees per year.
Planning
Goals with an honest ETA
Set a target — an emergency fund, a down payment, an early loan payoff — and see the realistic date based on how your money actually moves, not an optimistic slider.
Your data, your call
Private, read-only, revocable
Consent-based access you can withdraw in one tap. Nxworth can read what you share and nothing more — it can never move money, and your data is never sold.
How it works
Three steps. Then it runs itself.
- 01
Verify your number
Sign in with the mobile number linked to your bank accounts. That is the whole setup.
- 02
Grant consent once
Pick the accounts you want to share through the Account Aggregator. Read-only, time-bound, revocable whenever you like.
- 03
Watch it fill itself in
Balances, transactions, holdings and EMIs flow in and keep syncing. Your net worth and spending picture is live from day one.
No screen-scraping, ever. Nxworth never asks for your net-banking credentials. Access is consent-based, read-only, and yours to revoke.
Join the waitlistWhere Nxworth is different
The gaps everyone else leaves open.
India already has good money apps. They just each solve one half of the problem — and leave you to stitch the rest together.
SMS parsing breaks
Apps built on reading transaction texts miss anything that never sends one — UPI edge cases, investments, loan movements. AA rails read the source instead of the notification.
Manual ledgers don't survive month two
Category-by-category expense apps are only as accurate as your discipline. Nxworth stays correct whether or not you open it.
Free means you are the product
When an app is free, the roadmap bends toward selling you loans and insurance. ₹99 a month buys a tool whose only job is your net worth.
| Capability | Nxworth | SMS-based trackerse.g. Walnut / Axio | Manual expense appse.g. Money Manager | Wealth platformse.g. INDmoney |
|---|---|---|---|---|
| Auto-syncs bank, investment & loan data over AA rails | Yes | Varies by app | Not typically offered | Yes |
| Works without reading your SMS inbox | Yes | Not typically offered | Yes | Yes |
| Everyday expense tracking and net worth in one view | Yes | Varies by app | Varies by app | Varies by app |
| Zero manual entry to stay up to date | Yes | Varies by app | Not typically offered | Yes |
| Subscription-funded — no product cross-selling | Yes | Not typically offered | Varies by app | Not typically offered |
| Rupee-denominated actions, not just charts | Yes | Not typically offered | Not typically offered | Varies by app |
Comparison describes broad product categories and is based on publicly available information. Named apps are trademarks of their respective owners and their features change over time — please check their current offerings directly.
Early testers
What the private beta says.
Placeholder quotes from our closed beta. Names and figures are illustrative sample data.
I had six apps open every Sunday to work out what I was actually worth. Now it is one number that updates itself, and I finally stopped avoiding it.
The insight that flagged three subscriptions I had forgotten paid for the year in the first week. Everything else has been a bonus.
Linking my accounts took under two minutes and I never gave away a password. That alone is worth ₹99 to me.
Pricing
One plan. Priced like a coffee.
No free tier funded by selling you loans. No enterprise ladder. One honest subscription that keeps Nxworth working for you alone.
Founding price
Nxworth Premium
₹99/ month
About $1.20 a month · or ₹999 billed yearly (two months free)
- Unlimited AA-linked accounts
- Automatic expense categorisation
- Live net worth timeline
- Tailored monthly insights
- Goals with realistic timelines
- Manual assets: property, gold, unlisted
- Export to CSV any time
- Consent you can revoke in one tap
Get started — join the waitlist
14-day free trial at launch · cancel any time
Why we charge at all
A finance app that makes money from you is aligned with you. A free one makes money from whoever it introduces you to. ₹99 a month keeps the incentive simple.
What it replaces
The spreadsheet you keep meaning to update, the six apps you check on Sundays, and the vague sense that you should probably look at your money more often.
FAQ
Questions, answered.
Still curious about something? Join the waitlist and reply to the welcome email — a human reads it.
Account Aggregator (AA) is RBI-regulated infrastructure that lets you share your own financial data between institutions with explicit, revocable consent. Nxworth connects through a licensed AA, so your bank, mutual fund, and loan data flows in automatically — no screen-scraping, no SMS parsing, and no sharing of your net-banking password.
Almost never. Accounts linked over AA sync on their own. You can still add a cash spend or a private asset — property, gold, an unlisted holding — manually, and Nxworth folds it into the same net worth picture.
Savings and current accounts, deposits, mutual funds, equities and NPS from AA-enabled institutions, plus loans and credit lines. Assets outside the AA network can be tracked manually so your net worth stays complete.
No. Nxworth is read-only by design. It can see the data you consent to share and nothing else — it cannot initiate a payment, a transfer, or a trade on any linked account.
Nxworth is ₹99 per month, or ₹999 per year. Every plan starts with a 14-day free trial, no card required up front, and you can cancel any time from inside the app.
Consent is yours to withdraw. Unlink an account inside Nxworth — or revoke the consent directly with your Account Aggregator — and the data stops flowing immediately. You can also request deletion of everything we hold.
We are rolling out to the waitlist in batches. Join with your email and you will get an invite as soon as early access opens for your bank and city.
Know exactly what you’re worth.
Join the Nxworth waitlist and get early access the moment we open in your city — plus the founding price of ₹99/month, locked in.
We’ll only email you about early access. Unsubscribe in one click.