Question 1

What is ZMoney+?

Accepted Answer

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.

Question 2

Is ZMoney+ free?

Accepted Answer

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.

Question 3

Is my money at real risk on ZMoney+?

Accepted Answer

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.

Question 4

Can I practise investing in Indian mutual funds with virtual money?

Accepted Answer

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.

Question 5

What calculators does ZMoney+ include?

Accepted Answer

Thirteen free planning calculators are included: SIP and step-up SIP, lumpsum, NPS, EPF, PPF, SSY, Fixed Deposit, Recurring Deposit, ELSS, Goal Planner, HRA exemption, gratuity and inflation impact.

Question 6

How does the Time Machine work?

Accepted Answer

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.

ZMoney+ — Virtual Mutual Fund Simulator for India