Practise investing on real Indian market data, with virtual money you cannot lose.
Explore first →
Setting up takes about thirty seconds.
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Virtual money only
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Real market data
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No KYC or brokerage
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Not investment advice
WHAT YOU’LL DO HERE
Choose a fund, test the plan, see what your money is doing.
TRACK WHAT YOU OWN
Review your mutual fund portfolio
SAMPLE · MUTUAL FUND PORTFOLIO
₹5,24,300
▲ +4.9%
L
Large-cap index fund
SIP · ₹5,000/mo
+12.4%
F
Flexi-cap fund
SIP · ₹3,000/mo
+9.8%
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Already invested?
Import your funds with CAS — one tap
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Browse funds →
FIND WHAT IS WRONG
Your portfolio, graded A to E
SAMPLE · PORTFOLIO REVIEW
20 VITALS
B−
74/100
2 to fix
3 to watch
16 passed
MIX·2
Too much in one company
One stock is 14.2% of your equity
ACT
COST·1
What your funds charge
₹4,100 a year across 6 funds
WATCH
Read the rubric →
TEST BEFORE YOU INVEST
Rewind the market. Test your plan.
SAMPLE · BACKTEST · 2008 → TODAY
SIP ₹10K/MO
2008 CRASH
COVID DIP
INVESTED
₹21.6L
VALUE TODAY
₹46.8L
XIRR
13.2%
Open the Lab →
SCORE YOUR FINANCES
Your money, scored out of 100
SAMPLE · FINANCIAL CHECKUP
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78/100
Your score is Strong
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Spending Habit
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My Finance
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Emergency Fund
!
Insurance
!
Debt
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Risk Profile
Take the checkup →
KEEP UP WITH MARKETS
Markets, explained in one feed
ZMoney+Feed
🔍
For You
Markets
Funds
Money
Articles
MARKETS
2H
Nifty logs its best week since March
FUNDS
5H
SIP inflows hit another record in July
TAX · ARTICLE
4 MIN READ
ELSS vs PPF: where should ₹1.5L go this year?
Read the feed →
LEARN THE BASICS
Learn money. Earn ZCash.
LESSON 3 · QUICK CHECK
+50 ZCASH
A fund's NAV is…
Its advertising budget
Price of one unit of the fund
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Z
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+50
🔥 6-day streak
Level 4
Start a lesson →
WHAT IT COVERS
Every AMFI-listed scheme
Search thousands of Indian mutual funds by name, category, scheme type and Direct or Regular plan.
Every category, filterable
Large, mid, flexi and small cap, hybrid, income, debt, gold, international and fixed maturity plans.
NAV history from 2008
Back-tests and the Time Machine run on real daily NAVs, through the 2008 crash, COVID and 2022.
Scheme data from AMFI · NAVs via mfapi.in
HOW IT WORKS
1
Create a free account
Email or mobile, about thirty seconds. No KYC, no card, no brokerage account.
2
Build a portfolio, or import one
Pick funds and start a virtual SIP — or import a CAS statement to study what you already hold.
3
Test it against real history
Back-test it, stress it through past crashes, and read the checks that grade it.
LEARN · TAX
10 min · Beginner
ELSS Mutual Funds: Save Tax with Section 80C in India
Learn about ELSS mutual funds in India. Discover how ELSS helps you save tax under Section 80C, its 3-year lock-in, and market-linked returns. A beginner's guide to smart tax planning.
Read the guide →
FAQ
Common questions
ZMoneyPlus is a free India-focused personal-finance simulator. You get virtual capital to trade mutual funds against real Indian market data, build and back-test portfolios, plan goals, take a financial health checkup and level up your money skills — with zero real-world risk.
Yes. All core features — the investing simulator, portfolio Lab, financial calculators, goal planner, financial health checkup and Quiz Arena — are free. Optional cosmetic and premium unlocks can be earned with ZCash you accumulate by learning and playing.
No. ZMoneyPlus is a simulator for learning and practice. Every trade uses virtual capital, and every backtest runs against historical market data — no real money is invested and nothing on ZMoneyPlus can be construed as personalised investment advice.
Yes. You can search thousands of Indian mutual funds by category, browse live NAVs from mfapi.in, and trade them with your virtual capital — including SIP, step-up SIP and lumpsum strategies.
Fourteen free planning calculators are included: SIP and step-up SIP, lumpsum, NPS, EPF, PPF, SSY, Fixed Deposit, Recurring Deposit, ELSS, Goal Planner, old vs new tax regime, HRA exemption, gratuity and inflation impact.
Time Machine replays any saved portfolio from a historical starting point — 2008 Financial Crisis, 2014 Bull Run, Demonetization, COVID Crash, 2022 inflation and more — using real NAV history, so you can see how your allocation would have behaved through past market events.
Make the mistakes here
Practise with virtual money before any of it is real.
ZMoneyPlus is an educational simulator operated by Zynquest Technologies Pvt Ltd. Every trade uses virtual capital; no real money is invested and nothing here is investment advice. ZMoneyPlus is not registered with SEBI as an investment adviser, research analyst, portfolio manager or stock broker.