ZMoney+

What ZMoney+ is

ZMoney+ is a web-based personal-finance simulator and learning app focused on practising Indian mutual-fund investing with virtual capital. You can create portfolios, test them against historical data, and replay earlier markets with its Time Machine. The service says mutual-fund NAVs come from mfapi.in and scheme data comes from AMFI, while its search covers thousands of Indian funds by name, category, scheme type, and Direct or Regular plan. Importing a Consolidated Account Statement from CAMS or KFintech lets you review overlap, allocation, and SIP versus lumpsum holdings. Fourteen listed calculators cover areas such as SIP, NPS, EPF, PPF, ELSS, goals, tax, HRA, gratuity, and inflation. Lessons address budgeting, credit, and investing, with a Quiz Arena that awards ZCash, plus a financial health checkup. Sign-in uses a one-time email or mobile code; the homepage says no password, card, or KYC is needed. Core features are free, and optional cosmetic or premium unlocks can be earned with ZCash. Trades use virtual capital only, and the service says it is not investment advice or a regulated intermediary.