Your entire financial life in one place — in every currency you hold it, and entirely on your own machine. Zinfai tracks 40+ asset types across India, the US, the UK, the UAE and Australia, imports your bank and broker statements for you, and answers the question every investor eventually asks: when can I stop working? No cloud accounts. No data sharing. You own every byte.
Zinfai isn't just a list of holdings. It follows the whole arc — from recording what you own today, to planning what you need, to knowing the date you can stop working.
Every holding, account, and liability in one ledger — equities, mutual funds, crypto, deposits, retirement schemes, property, and physical assets. Live prices, day change, XIRR, allocation, and a true net worth that subtracts what you owe.
Explore tracking →An AI robo-advisor that reads your whole picture — income, expenses, goals, risk appetite, tax slab — and returns a concrete plan: an allocation, named funds, monthly SIPs per goal, and a 0–100 health score, each with its rationale and risk disclosure.
Explore planning →A full FIRE engine: Lean, Regular, Fat and Coast targets, year-by-year projections through retirement, income sources, milestones and debts, bucket strategies, withdrawal simulations, and side-by-side scenarios.
Explore FIRE →Zinfai keeps each account in its natural currency while normalizing portfolio overviews into the base currency you choose. Track INR holdings, India-based USD brokers such as Vested and INDmoney, UK bank accounts, US retirement accounts, UAE savings products and Australian superannuation — without mixing symbols, markets or reporting currencies.
You pick a base currency and base location once; each portfolio can override them, so a household can run an INR portfolio and a GBP one side by side. Every asset and transaction stores its own ISO 4217 currency alongside the native amount you actually entered — and those native figures are never overwritten when values are recomputed.
Conversion is honest about time, too: the FX rate behind your cost basis is frozen at purchase, while current value is revalued daily at the live rate. Base-currency profit and loss therefore includes the currency movement rather than quietly hiding it.
Separate portfolios by country and currency, with matching banks, brokers, demat accounts and account-native views.
Aggregated views report in base currency; account screens stay in the account's own currency. GBp pence prices are handled correctly, and INR formats in lakh and crore.
A holding's "today" is its own exchange's local date — an ASX position rolls over before an NSE one, so day change is never off by a session.
A 401(k) isn't a PPF and an ISA isn't a mutual fund. Zinfai ships a versioned catalogue of jurisdiction-specific instruments, each locked to its mandated currency, with contribution caps and lock-in periods surfaced as dated informational metadata rather than hard blocks.
| Region | Currency | Home indices | Instruments |
|---|---|---|---|
| 🇮🇳 India | INR | NIFTY 50, SENSEX | Stocks, mutual funds, PPF, EPF, NPS, NSC, KVP, SCSS, SSY, MIS, SGBs, FDs and RDs, RBI & corporate bonds |
| 🇺🇸 United States | USD | S&P 500, NASDAQ, Dow Jones, Russell 2000 | ETFs, US Treasuries, CDs, 401(k), Traditional IRA, Roth IRA, HSA, 529 |
| 🇬🇧 United Kingdom | GBP | FTSE 100, FTSE 250 | Cash ISA, Stocks & Shares ISA, SIPP, workplace pension, gilts, Premium Bonds |
| 🇦🇪 United Arab Emirates | AED | DFM General | Sukuk, UAE investment funds, savings bonds, end-of-service benefit, voluntary pension |
| 🇦🇺 Australia | AUD | S&P/ASX 200, All Ordinaries | Superannuation, term deposits, managed funds |
Contribution caps, minimum ages and lock-in periods are shown with their effective date as product information — not tax advice. Zinfai deliberately does not infer residency, income eligibility or investment suitability.
Most portfolio trackers ask you to hand sensitive financial data to a third party. Zinfai is different: everything lives in a database on your own machine. No sign-ups, no shared credentials, no cloud dependency.
Run the Mac or Windows installer, or a single Docker container. It sets up everything — database, backend and UI — on your machine.
Choose a base currency and location once. Add a portfolio per country, each free to override that base if your household spans borders.
Enter assets in their own currency, or upload bank statements, broker holdings and CAS files to import them automatically.
Prices refresh every 30 minutes on each instrument's own exchange, with day change, XIRR, daily FX revaluation and EOD snapshots.
Use the Financial Freedom engine, the AI planner and Insights to project, get goal-based recommendations and optimize your path to FIRE.
Click any shot to view it full size.
Zinfai Buddy is the read-only Android companion. It reads your Zinfai backup straight from Google Drive and overlays live prices on top — every holding in its own currency, every total in yours. It works offline after the first sync, needs no account, and your data never leaves the device.
Your financial data is the most sensitive data you have. It stays on your hardware, in a database you control, and Zinfai has no servers for it to be sent to.
No hidden currency conversion, no silently mixed totals, no imaginary returns. Where a number is an estimate or an AI opinion, Zinfai says so.
Zinfai is designed, developed and maintained independently — no commissions, no product placement, no incentive to sell you anything.
Install Zinfai on your Mac, PC or any machine with Docker. It takes a few minutes, and nothing you enter ever leaves your computer.