मुख्य सामग्रीवर जा

Accrued vs Invested Balance View

TrackMyRupee lets you switch between two ways of viewing value for selected account types.

  • Invested: what you originally put in (baseline).
  • Accrued: what it is worth right now (interest-accrued, market-priced, or appraised current value).

1. Where This Toggle Applies

The toggle applies to account types where "invested amount" and "current value" can be meaningfully different:

  • Fixed Deposits and Recurring Deposits
  • Mutual Funds and Demat Holdings
  • Physical Assets (for example, real estate or vehicle)
  • Insurance policies with surrender-value tracking

The toggle does not apply to account types that already represent today's real value directly:

  • Cash Wallet, Savings, Salary, Current, and other liquid bank accounts: the ledger balance is already today's value.
  • Credit Cards and Short-Term Credit: these are liabilities, so there is no separate invested baseline concept.
  • Loan Accounts: this is outstanding liability tracking, not an invested-versus-accrued asset view.

2. Worked Examples

Example A: Fixed Deposit

Rahul opens an FD with Rs. 2,00,000 at 7.0%.

  • Invested view shows: Rs. 2,00,000
  • Accrued view (after interest accrual) might show: Rs. 2,14,860

This helps Rahul compare principal committed versus current maturity-linked value.

Example B: Holdings Account (SIP + Market Value)

Meera transfers Rs. 1,00,000 into her MF account and logs holdings with total cost basis Rs. 95,000. Current market value of those holdings is Rs. 98,000.

Using TrackMyRupee's current holdings formula:

\[\text{Uninvested Cash} = \max(0, 1,00,000 - 95,000) = 5,000\]
\[\text{Accrued Value} = 98,000 + 5,000 = 1,03,000\]
  • Invested view: Rs. 95,000
  • Accrued view: Rs. 1,03,000

Real-world use case

Meera uses Invested view during monthly planning to track how much capital she has actually deployed, and switches to Accrued view on review day to see current market-linked net worth including pending uninvested cash.

3. Insurance-Specific Note

For insurance accounts, if no surrender value is recorded yet, both views can show Rs. 0 by design. This avoids a misleading impression that paid premium always equals current realizable value, which is usually not true for fresh or early-stage policies.