Most trackers show your listed holdings neatly but have no idea your biggest asset is illiquid startup equity, so you have to add that piece yourself. A simple approach: keep your liquid investments (mutual funds, stocks, EPF) in a portfolio tracker or your CAS view, and maintain a separate record for your ESOPs and shares with the grant date, vesting schedule, strike price, and a conservative estimate of current value. Cap table tools your company uses can show vested versus unvested, but for personal planning the honest move is to value the equity cautiously, since it is not cash until a real exit or secondary. Seeing both together stops you from feeling richer or poorer than you are and shows how concentrated you really are. ESOP taxation in India is its own topic and the rules change, so confirm the tax side with a CA rather than relying on any tracker's number.
A curated summary to orient you, not advice. The resources below are the real value.
3 hand-picked resources, 1 India-specific, 2 link-checked. Pick how you want to dig in.
Why we picked it The India-specific piece: perquisite tax at exercise, capital gains at sale, and the startup deferral, with worked examples in rupees.
From ClearTax by ClearTax
Open cleartax.in →Why we picked it The most thorough plain-language reference on vesting, cliffs, strike prices, and exercise windows. Read it once and stop being confused by your grant letter.
From Holloway by Holloway
Open holloway.com →Why we picked it A working glossary of the words on your cap table, from the company that stores most of them, so the jargon stops getting in the way.
From Carta by Carta
Open carta.com →
