For everyone else
Freelancers, consultants, business owners, people between jobs or just starting out: Neural Tax works from what actually comes in and goes out each month, however irregular, and turns it into one clear plan.
You don't need a payslip or an HR team. If money comes in and goes out each month, you have everything a plan needs.
Big months and quiet months. Mark the unusual ones and your plan keeps working from your normal pattern, not the spikes.
Keep your personal money apart from the business: what you draw, what you spend, and what it's building toward.
See how many months your cash covers, and make decisions from a clear runway instead of a worried guess.
Your first income is the best time to build the habit. Two minutes a month now compounds for decades.
Bills, school fees, insurance cover and goals in one place, with one next step each month.
Find out what financial independence costs you at today's prices, and when you could get there at this pace.
Your plan is worked out from your last six normal months, so one great month or one bad one can't throw it off.
A big project payment or a large purchase? Mark it as a one-off and it's left out of your usual spending, your Freedom Number and your streak.
Six months of your real, usual spending, with how many months you've covered and what's left to go. When income is uneven, this comes first.
Run a purchase or an EMI against your own Safety Net and timeline, and see what it really does before you sign.
The same planner companies give their people, with every feature from your first check-in.
Income, spending, what you invested and your balances. Nothing linked, nothing pulled from a bank.
The amount that could cover your real spending without a salary, and how far along you are.
A home, a child's education, a trip: each goal's cost on its date and the monthly amount it needs.
Your health, term life, personal accident and critical illness policies in one place, against the cover your family needs.
Form 16, payslips, policies and proofs, encrypted before they're stored. There are no links to share: only you, signed in, can open them.
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.
Sign up with your email and pay online. No employer needed, nothing to link.
What came in, what went out, what you invested and your balances. About two minutes.
Your score, Safety Net, Freedom Number and one clear next step, the moment you save.
A reminder on the 2nd. Your plan learns your normal pattern with every check-in.
Pay monthly, or pay for ten months and get the year.
₹199 ₹169a month, plus GST
Or ₹1,990 ₹1,690 a year: two months free.
The same calculators that power the app, open to anyone. No sign-up.
No. You enter your own numbers once a month. There is no bank linking, no account aggregator and no PAN.
An estimate of the savings and investments that could cover your real living costs without employment income: a year of your usual spending (from your last six normal months) divided by 4%, a commonly used yearly withdrawal rate. It's shown at today's prices and reviewed every six months, so one unusual month can't swing it. It's a direction, not a deadline, and not a guarantee.
Mark it as a one-off month, for example a car down payment or a bonus. It's left out of your Freedom Number and Safety Net averages and doesn't break your streak.
Yes. From Settings you can download everything we hold about you as Excel, CSV or JSON, and import that file into a new account on its first check-in. You can also delete your account and all its data permanently. These are your rights under the DPDP Act, 2023.
No. Neural Tax gives you planning tools, clear numbers and education so your decisions are better informed. It doesn't recommend specific products, and for complex situations we suggest a SEBI-registered adviser or a chartered accountant.
Your first check-in takes a few minutes. By the end of it you'll know your Safety Net, your Freedom Number and the one thing to do next.
