About ZMoney+
ZMoney+ is a free, India-focused personal-finance simulator and learning app. It gives you virtual capital to practise investing in Indian mutual funds against real market data — so you can build confidence and money skills before putting a single rupee at risk.
Our mission
Most Indians learn about investing with real money and real losses. We think that's backwards. ZMoney+ turns investing into a safe, hands-on practice ground: make mistakes, see how markets behave through real history, and understand what actually works — all with virtual money and zero real-world risk.
What you can do
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Trade Indian mutual funds with virtual capital against real, live NAVs.
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Build and back-test portfolios on real historical data — no real money at risk.
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Replay any portfolio through past markets (2008, COVID, 2022) with the Time Machine.
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Plan goals and run 13 free calculators — SIP, lumpsum, PPF, NPS, EPF and more.
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Take a financial health checkup and learn through the gamified Quiz Arena.
How it works
Every user starts with virtual capital. Mutual-fund NAVs come from mfapi.in, and back-tests run against real historical fund and benchmark data (Nifty, Gold and Debt proxies). Nothing is a real transaction — the numbers are real, the money is not.
⚠️ Important
ZMoney+ is an educational simulator, not a broker, exchange or advisor. It is NOT registered with SEBI, RBI, IRDAI or AMFI, and nothing in the app is investment advice or a solicitation. All trading is simulated with virtual capital — no real money is invested, earned or at risk. Past simulated performance does not guarantee future results.
Get in touch
zmoneyplusofficial@gmail.com
ZMoney+ · Educational Financial Simulator
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