Your Financial Operating System
INDwallet organises your finances into four connected wallets: Income, Expenses, Investment and Wealth. Together, they show where your money comes from, where it goes, how it grows and how it is protected. 100% free, browser-based, zero data collection.
What is INDwallet?
About INDwallet – we built this free, browser‑based platform because traditional financial apps collect your data and sell products. It runs entirely in your browser — no sign‑up, no login, no tracking.
The platform is built around a simple idea: your financial life divides into four interconnected wallets — Income (money in), Expenses (money out), Investment (money growing), and Wealth (money protected). Together they give a real‑time view of your financial health, without any data leaving your device.
Designed for every Indian — from students to retirees — with tools and simulators for informed decisions. No hidden fees, no product recommendations, no data mining.
The 4‑Wallet System
Your financial life divided into four connected buckets – each with a distinct job.
Organises all incoming money.
Salary · Freelance · Interest
What money is coming in, and where is it from?
Explore Income →Tracks all spending and cash-flow.
Bills · EMIs · Subscriptions
Where is the money going, and is it sustainable?
Explore Expenses →Grows assets for long-term wealth.
Stocks · Mutual funds · Gold
What do I own, and is my strategy working?
Explore Investment →Protects your wealth and net worth.
Insurance · Emergency fund
What protects my system when things go wrong?
Explore Wealth →Money flows through the system: Income → Expenses → Investment → Wealth. Each wallet has a distinct job, but they’re deeply connected — what you earn shapes what you spend, grow, and protect.
Your Wallet Score
Understand the strength and balance of your financial system — a diagnostic tool that helps you identify gaps and prioritise your next move.
Wallet Score helps you understand the strength and balance of your financial system. It assesses how well your four wallets are working together — whether your income is stable, your spending is sustainable, your investments are growing, and your wealth protections are adequate.
It’s a diagnostic tool, not a judgement. Use it to identify gaps and prioritise your next financial move.
Check Your Wallet Score →Advice for Every Life Stage
Your financial journey changes with life — INDwallet adapts.
Live Calculators & Simulators
India‑specific tools built for your real financial decisions.
Master Finance with Simulators
Learn by doing – safely simulate financial decisions before making them in real life.
Budget Master
Build and stress‑test your monthly budget with real-life scenarios.
SimulatorInvestment Quest
Test different strategies across market cycles — equity vs debt, SIP vs lumpsum.
SimulatorInsurance Pro
Calculate the term life, health, and critical illness cover you actually need.
SimulatorSavings Sprint
Project your retirement corpus and check if you’re on track.
SimulatorLegacy Builder
Plan wills, trusts, nominations, and minimise tax burden on heirs.
SimulatorEducation Fund
Estimate future education costs and choose the best saving strategy.
Built by real professionals
INDwallet is created by a seasoned digital media and Ad‑Tech professional with 14+ years of global experience.
Ways to reach us
Real humans reply within 24 hours.
Your financial operating system
Use the wallets in your browser for instant, zero‑footprint planning. Or use the INDwallet App – free, private, built for India.
INDwallet – private · free · India-first