Features
Everything your salary needs, in one calm place.
Every tool in your dashboard works from one set of numbers you enter once a month. Here's what each one does and what you'll see. The examples use demo numbers.
Two-minute monthly check-in
Income, spending, what you invested and your balances. Nothing linked, nothing pulled from a bank.
- Balances pre-fill from last month, so most months take two minutes
- Flags an unusual month (a car, a bonus) so it doesn't distort your trend
- Check in for each month once it ends, and edit or delete past months any time
- Income
- ₹1,45,000
- Spending
- ₹92,400
- Invested
- ₹30,000
- Savings rate
- 36.3%
Your Safety Net
Six months of your usual spending, kept in cash, so a job change, a hospital bill or a sudden repair never has to touch your investments.
- Sized from your real spending: the average of your last six ordinary months, with one-off months left out
- How many months you've covered and what's left to go, updated with every check-in
- Only cash beyond it counts toward your Freedom Number, and every purchase or EMI you test shows what it leaves in it
- Target
- ₹5,54,400
- In cash today
- ₹4,20,000
- Months covered
- 4.5 of 6
- Left to go
- ₹1,34,400
Financial wellness score
One score out of 100 built from seven things that matter, each explained in plain words.
- Safety Net, health cover, life cover, savings rate, saving habit, progress and month-on-month change
- A streak that keeps counting and forgives one soft month in six
- Never a grade on you, always the next step
- Score
- 78 (Good)
- Safety Net
- 15 / 15
- Saving habit
- 5-month streak
- Getting better
- Both grew this month
Your Freedom Number
The amount that could cover your real spending without a salary, and how far along you are.
- Your estimated financial-freedom age, at today's prices
- Counts EPF/NPS and investments, not your emergency cash
- Reviewed every six months from your real spending
- Freedom Number
- ₹2.18 Cr
- Built today
- 31%
- Next milestone
- 50%
- Freedom age
- around 50
Can I afford this?
Test a purchase or an EMI against your own Safety Net and timeline before you commit.
- One-time costs measured in months of cover left
- EMIs show the dip in savings rate and when it recovers
- An honest trade-off, never a yes or no
- Savings rate
- 36% → 23%
- After the loan
- back to 36%
- Freedom timeline
- + about 11 months
- Verdict
- Noticeable
Tax planner, old vs new
Both regimes side by side for FY 2025-26 and Tax Year 2026-27, with the deductions you actually have.
- HRA, 80C, 80D, NPS, home-loan interest and the 87A rebate
- Shows unused room and the deductions you'd need to switch
- Balance against TDS so refunds aren't a surprise
- New regime
- ₹1,12,320
- Old regime
- ₹1,48,200
- Better choice
- New, saves ₹35,880
- TDS so far
- ₹74,000
Goals with real numbers
A home, a child's education, a trip: each goal's cost on its date and the monthly amount it needs.
- Expected return per goal, with guidance for nearer goals
- Planning figures, or money you confirm is set aside
- Record what you actually put toward each goal every month
- Target today
- ₹25,00,000
- By March 2031
- ₹33,45,000
- Monthly amount needed
- ₹38,900
- Progress
- 22%
Protection planner
Your health, term life, personal accident and critical illness policies in one place, against the cover your family needs.
- Guideline cover from your income, loans and dependants
- Employer and personal policies kept apart
- Start and end dates, and what you pay in premiums each year
- Health cover
- ₹10 L of ₹15 L
- Term life
- ₹1.5 Cr of ₹1.8 Cr
- Policies in force
- 4
- Premiums a year
- ₹32,000
Private document vault
Form 16, payslips, policies and proofs, encrypted before they're stored. There are no links to share: only you, signed in, can open them.
- Sorted by type and tax year
- PDFs up to 4 MB. Photos (JPG, PNG or WebP) are resized automatically, so phone photos fit
- Up to 200 documents and 50 MB per person. No one else, including your employer, can open them
- Form 16
- PDF, 214 KB
- Rent receipts
- 3 files
- Health policy
- PDF, 1.1 MB
- Access
- Only you
History, and your data to keep
Every month you've saved in a chart and a table, and everything you've entered, ready to download.
- Income and spending month by month, with your score at the time
- Download all your data as Excel, CSV or JSON whenever you like
- Moving accounts? Import a previous download on your first check-in
- Months saved
- 18
- Best savings rate
- 41% in March
- Download
- Excel, CSV or JSON
- Delete everything
- Any time, from Settings
Learn, inside your dashboard
Eight short chapters on the ideas behind your numbers, written for India. For members only: they open once you've signed in, with your progress saved.
- Safety Net, insurance, savings rate and investing basics
- The Freedom Number and the 4% rule explained honestly
- Old vs new tax regime and planning for goals, each in under five minutes
- Chapters
- 8
- Completed
- 5 of 8
- Next up
- Old or new regime?
- Reading time
- about 3 min
Offering this to a team?
Employers get an anonymous team dashboard, private invites, seats and a monthly digest.
Start with one check-in.
Two minutes gives you a score, a Freedom Number and your next move.