ZMoney+ 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.
Is my money at real risk on ZMoney+?
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No. ZMoney+ 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 ZMoney+ can be construed as personalised investment advice.
Can I practise investing in Indian mutual funds with virtual money?
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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.
What calculators does ZMoney+ include?
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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.
How does the Time Machine work?
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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.