What goes under Other Investments
| Type | What you enter | What the app does |
|---|---|---|
| Fixed deposit | Name, member, amount, bank, maturity date | Counts as safe money; reminds you before maturity; feeds near-term goals. |
| PPF, EPF, NPS | Name, member, current value (update it when the statement comes) | Counted for the retirement goal only, never for a sell or switch step; marked Received when paid out. |
| Bonds, debentures, SGB | Name, member, value, maturity | Safe money in the net worth and goals. |
| Gold and silver | Weight in grams and purity (24K, 22K, 18K); or a value | Valued every day at the live rate; you never touch it again. |
| Property | Name, member, what you paid, rough value today | Appears in net worth; link the home loan to it in the same form. |
| Anything else | Name, member, value | ESOPs, chit funds, a loan you gave: the family should know it exists. |
Gold by weight
You do not need to know what your gold is worth. Enter the weight, say 250 grams, and the purity, 22 carat. The app looks up today's rate, shows the estimated value, and revalues it every day with the daily update. The live 24K and 22K gold and silver rates are shown at the top of the page.
The house and its loan
- Add Investment → type Real Estate; a name and whose it is.
- What you paid (say ₹1.25 Cr) and roughly what it is worth today (₹1.6 Cr).
- Under Linked loans, click Create new loan and enter the lender, outstanding balance, EMI and interest rate, right in the same form.
- Add. The house appears in the assets with its loan linked, the loan appears under Liabilities with the EMI, rate and months left, and net worth is assets minus loans.
Liabilities
Home loan, car loan, personal loan, a loan from a relative: each with the lender, outstanding amount, EMI, interest rate and the number of months left, computed from the EMI. The dashboard shows total assets, total loans and net worth separately, and the daily email tells the family exactly what is owed and to whom; the loan nobody knew about is a common and expensive surprise.
EPF, PPF and NPS in retirement
These are retirement money with their own rules, so the goal planner treats them accordingly: they count towards the retirement goal only, they are never part of a switch or sell step in the bucket plan, and when one is paid out you press Received and tell the app which liquid or debt fund the money went to.
On the dashboard
After adding an FD, EPF and gold the dashboard shows the split the first time most people see it: for example mutual funds 73% of the family's money, gold 12%, EPF 11%, FD 4%. Many families discover how much is in one place only here.
Everything in one number
Gold at today's rate, the house with its loan, EPF and FDs, with the funds.
- Mutual funds · 4 members₹2.04 Cr
- House · loan linked₹1.6 Cr
- Gold · 250 g, today's rate₹35 L
- EPF, FD₹42 L
Every member, every account, revalued daily. Gold by weight, the house with its loan, insurance with nominees.
Last updated 15 Oct 2026 · by Jagadeesh Manne, who built Capital Friends for his own family.
Track the real thing, not just the estimate
Capital Friends is a free, open-source portfolio tracker for Indian families. Import your CAMS statement, see XIRR and CAGR for every fund, plan goals and retirement, and let your family get one summary email. Your data stays in your own Google Drive.
Frequently asked questions
How is gold valued?
By weight and purity at the live market rate, refreshed daily. Enter 250 g of 22K and the app does the rest; you can override with a value if you prefer.
Can I link a loan to the property it bought?
Yes. Create the loan inside the property form under Linked loans. The property shows its loan and the loan shows its asset.
How does EPF count in retirement?
As retirement money only: it is included in the retirement goal and the stability bucket but never suggested for a sell or switch, since it has its own withdrawal rules.
Do I have to update FD and PPF values?
FDs can be set with a maturity date and the app reminds you; PPF, EPF and NPS you update when the statement arrives. Gold and funds update themselves.
Does the family email include loans?
Yes: lender, outstanding, EMI and months left, for every loan, in every email.
Read next
Every member, every asset and loan, one dashboard, one number.
Assets minus loans, the number that shows real progress.
Three buckets, refilled in good years, so you never sell in a crash.
Every policy with its nominee, and whether the cover is enough.
Calculators use the inputs you enter and standard formulas; results are estimates, not guarantees. Returns from mutual funds, stocks and other investments are not fixed and can be lower than assumed. Capital Friends is a tracking tool and is not a SEBI-registered investment adviser; nothing here is a recommendation to buy or sell any security.