EDUCATIONAL SIMULATOR · INDIA

Learn money before it is your money.

Practise investing with virtual money on real Indian market data. Free, with nothing at risk.
or explore without signing up →
Virtual money only
No KYC, no brokerage
Free to use
Not investment advice

What you can do

📊 PORTFOLIO
1 of 6

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%
Already invested?
Import your funds with CAS — one tap
Track every holding, SIP and return in one live view — your whole portfolio at a glance.
Browse funds
🔎 PORTFOLIO REVIEW
2 of 6

Your portfolio, graded A to E

SAMPLE · PORTFOLIO REVIEW
20 VITALS
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
20 vitals check overlap, cost and fit — each with a fix you can try in the Lab.
Read the rubric
🧪 PORTFOLIO LAB
3 of 6

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%
Backtest any SIP across real Indian history — 2008 and COVID included — before you invest.
Open the Lab
🩺 FINANCIAL CHECKUP
4 of 6

Your money, scored out of 100

SAMPLE · FINANCIAL CHECKUP
Your score is Strong
Spending Habit
My Finance
Emergency Fund
!
Insurance
!
Debt
Risk Profile
Six quick checks score your finances out of 100 and show the first thing to fix.
Take the checkup
📰 FEED
5 of 6

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?
Market news and plain-English explainers, sorted by category and refreshed daily.
Read the feed
📚 LEARN
6 of 6

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
Z
+
+50
🔥 6-day streak
Level 4
Bite-size 2-minute lessons and quizzes that pay you back in spendable ZCash.
Start a lesson
14
free calculators
20
portfolio checks, graded A–E
60+
human-reviewed guides
2008
real NAV history back to the crash
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

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.
📊
10 min read
📊 Beginner
Read More →

Common questions

What is ZMoney+?

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.

Is ZMoney+ free?

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+?

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?

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?

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?

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.
ZMoney+ 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. ZMoney+ is not registered with SEBI as an investment adviser, research analyst, portfolio manager or stock broker.
ZMoney+
Made in India
zmoneyplusofficial@gmail.com
+91 83108 17538
ZMoney+ is an educational simulator — not investment advice.
Scheme data from AMFI · NAVs via mfapi.in
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