Dashboard Overview
The Wevanta Dashboard is your financial control centre. It centralises data from all your linked accounts, giving you an immediate summary of your financial health, asset distribution, and upcoming obligations.
Core KPIs
At the top of the dashboard, you will see four key metric cards:
- Total Assets: The sum of current values from all accounts categorised as "assets" (Bank Accounts, Mutual Funds, Stocks, FDs, PPF, etc.).
- Total Liabilities: The sum of current values from all accounts categorised as "liabilities" (Home Loans, Personal Loans, Credit Cards).
- Net Worth: The ultimate measure of wealth:
Total Assets - Total Liabilities. A percentage indicator shows the growth or decline compared to exactly one month ago (based on automated snapshots). - Total Cash: A quick sub-total of highly liquid "cash" accounts to check your immediate liquidity.
Asset Allocation Chart
This donut chart groups all your asset accounts by category (e.g., Equity, Debt, Real Estate, Crypto) and calculates the percentage allocation of each. A well-diversified portfolio usually has a balanced mix. The system dynamically updates this chart as your account balances change.
Cash Flow: 6-Month Income vs. Expense
A bar chart plotting your total Income versus total Expenses over the past 6 months. It aggregates all transactions explicitly tagged as Income (salary, rent, dividend) against Expenses (EMI, insurance premiums, household expenses) across all your accounts. It is normal for the expense bar to spike in months where annual premiums or large yearly bills are paid.
Financial Health Score
Wevanta calculates a dynamic "Health Score" out of 100 based on your data. The score is grouped into grades (A, B, C, D) and considers four pillars:
- Savings Rate (30 pts): Based on your average income vs. expense over active months. >20% is considered excellent.
- Emergency Fund (25 pts): Measures your highly liquid assets (savings, cash, FDs) against your average monthly expenses. Goal is 6+ months runway.
- Debt-to-Asset Ratio (25 pts): Goal is to keep total liabilities below 30% of total assets.
- Diversification (20 pts): Checks how many different asset classes you hold to assess concentration risk.
Smart Insights feed
On the right-side panel, the AI generates context-aware insights natively (without calling external APIs). Examples include:
- Warnings if month-on-month expenses jump by more than 10%.
- Reminders for the next upcoming EMI or premium due within 7 days.
- Progress checks on your active goals ("On track to complete by Oct 2028").
Net Worth Tracking
Wevanta takes an automatic snapshot of your Net Worth at the end of every month. The Net Worth page displays a timeline chart charting your wealth journey over the last 12 months.
Predictive Analytics
At the bottom of the Net Worth page, Wevanta projects your future net worth 10 years into the future. It uses three scenarios (Conservative 6%, Base 12%, Best 20% annual growth) applied to your current net worth plus estimated yearly contributions. Use this to visualize the compounding effect over time.