INDwallet

Build Your Complete Financial Wallet System

Organize your Income, Spending, Investments and Wealth into one AI-powered wallet architecture designed for modern India.

Income. Spend. Invest. Grow.

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Services

Everything You Need to Master Money

Powerful tools designed specifically for Indian millennials

The Framework

The 4-Layer Wallet Architecture

A structured system to control, grow and protect your money.

Together, these 4 wallets form your complete Financial Operating System.

INDwallet · unified financial OS

INDwallet · financial OS

Track, invest, and learn – all in one place

📊

Income & Expense

Track monthly income, expenses, and savings rate in real time. Adjust sliders to see instant changes.

BudgetCash FlowSavings Rate
→
💰

Investment Monitor

Track net worth across PPF, EPF, NPS, stocks, property, gold. Project wealth 10 years ahead.

Net WorthSIP PlannerAllocation
→
🎯

Goals & Budget

Set any goal – car, house, retirement – and see achievement probability in real time.

Goal PlannerSIP CalculatorProbability
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📈

Unified Tracker

Complete financial health dashboard with Wallet Score (0‑100), radar charts, and AI‑powered insights.

Wallet ScoreAI InsightsRadar
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Why Our Financial OS Works

⚡

Real‑Time Updates

All charts and metrics update instantly as you move sliders – no refresh needed.

🔄

Cross‑Tool Sync

Your data flows between tools – set goals based on your income, track investments against targets.

🔒

100% Private

All data stays in your browser. We never see or store your financial information.

Unified Wallet Tracker

Complete financial health dashboard with Wallet Score and AI‑powered insights

Your Wallet Score
82
Wealth Builder

Based on savings rate, diversification, emergency coverage

📊Investment Allocation
Equity40%
Debt30%
Gold15%
FD/RD15%
🛡️Emergency Fund
0 months6.2 months12+ months
📡Wallet Dimensions
Discipline
75
Emergency
62
Risk Mgmt
80
Investment
70
Income
85
💰Income Wallet
Monthly Income₹3,00,000
Monthly Expenses₹1,50,000
Monthly Savings₹1,50,000
Savings Rate50%
Suggested SIP₹1,05,000
📡Wallet Radar
📊Cash Flow
🔍Risk Analysis
VolatilityMODERATE
DiversificationGOOD
LiquidityHEALTHY
🤖 AI INSIGHT: Your savings rate is strong at 50%. Consider increasing equity exposure for long‑term growth. Your emergency fund of 6.2 months is healthy.

LIFESTAGE ENGINE

Financial Planning by Life Stage

Your wallet priorities change with age. Your system should too.

20s

Build Income & Emergency Base

Establish first salary, 3‑month emergency fund, first SIP.

  • First salary allocation
  • Emergency fund start
  • Term insurance setup
30s

Optimize Investments & Growth

Scale income, maximize investment, build net worth.

  • SIP scale-up
  • Tax-efficient investing
  • Income diversification
40s

Expand Wealth & Stability

Wealth preservation, reduce risk, plan children’s education.

  • Portfolio rebalancing
  • Education fund
  • Real estate review
50s+

Protect & Preserve Assets

Secure retirement corpus, low-risk, wealth transfer.

  • Retirement corpus lock
  • Health insurance max
  • Wealth transfer plan

Financial Games

Learn personal finance through interactive gameplay.

💰

Budget Master

Master the 50/30/20 rule, needs vs wants, and emergency fund basics.
EasyBudget50/30/20
🎯

Savings Sprint

Compound interest, goal planning, and smart saving strategies.
EasySavingsInterest
🎓

Student Life Challenge

Student budgets, education loans, campus money habits.
MediumStudentLoans
📈

Investment Quest

SIP, mutual funds, asset allocation, rule of 72.
MediumSIPMF
💼

Professional Life

Salary structure, EPF, NPS, tax saving, emergency fund.
MediumSalaryTax
👨‍👩‍👧

Family Life Manager

Family floater insurance, education funds, wills.
MediumInsuranceWills
🏠

Family Builder

Joint family expenses, trusts, teaching kids about money.
HardTrustsEstate
📚

Education Fund Master

Education inflation, scholarships, 80E, Sukanya Samriddhi.
HardEducationScholarship
🛡️

Insurance Pro

Term insurance, deductibles, riders, claims.
HardTermRiders
📊

Pre‑Retirement Planner

4% rule, asset allocation by age, annuities.
HardRetirement4% Rule
👑

Legacy Builder

Estate planning, trusts, inheritance, executors.
ExpertEstateTrusts

Frequently Asked Questions

Everything you need to know about INDwallet – from tools to privacy

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General Questions

INDwallet is India’s first structured Wallet Intelligence platform. It helps you organise your income, track spending, invest smartly, and build lasting wealth through interactive tools and engaging games. All tools are free and work entirely in your browser.
Yes, INDwallet is completely free. No hidden charges, no premium tiers, no credit card required. All tools, games, and calculators are available at no cost.
No account needed. All tools work entirely in your browser. Your data stays on your device and is never stored on our servers. Perfect for one‑time planning or what‑if scenarios.
Yes, INDwallet is built specifically for the Indian audience. Tools cover PPF, EPF, NPS, 80C, 80E, Sukanya Samriddhi, and other India‑relevant financial concepts. All currency is in Indian Rupees (₹).
Yes, all tools are fully responsive and work on phones, tablets, and desktops. The interface adapts to any screen size for a seamless experience.

Financial Tools

INDwallet offers six core tools:
  • Income & Expense Wallet – Track monthly income, expenses, and savings rate
  • Investment Monitor – Track net worth across PPF, EPF, NPS, stocks, property, gold
  • Goals & Budget – Set and track financial goals with probability insights
  • Life Stages – Dedicated tools for Student, Professional, Family, Pre‑Retirement, Retirement
  • Financial Games – 11 interactive games to learn finance
  • Unified Tracker – Complete health dashboard with Wallet Score
Adjust sliders for salary, expenses, and savings to see real‑time updates. The dashboard calculates your net income, savings rate, and expense ratio instantly. Perfect for budget planning and what‑if scenarios.
The Wallet Score is a 0‑100 composite metric based on your savings rate, equity allocation, diversification, and emergency coverage. It gives you a quick snapshot of your financial health. Scores above 80 indicate strong financial wellness.
We use 6 months of your monthly expenses as the target. For example, if your monthly expenses are ₹50,000, the target emergency fund is ₹3,00,000. This follows standard financial safety recommendations.
We take your current net worth and grow it at 12% annually. Monthly SIPs are projected using the annuity‑due formula, also at 12%. The line chart shows your wealth growth year by year.

Financial Games

There are 11 interactive games covering budgeting, saving, investing, insurance, retirement, and estate planning. Each game has 5 progressive levels with XP, streaks, and hints.
Each game presents multiple‑choice questions. You have 3 lives per game. Correct answers earn XP and build streaks. Wrong answers cost a life. Use hints when stuck – they don’t cost lives. Complete all 5 levels to see your grade and score.
S (90‑100%) – Perfect! Financial genius
A (75‑89%) – Excellent work
B (50‑74%) – Good effort
C (Below 50%) – Keep practising
Games cover: 50/30/20 rule, compound interest, SIP, mutual funds, asset allocation, term insurance, deductibles, EPF, NPS, 4% rule, estate planning, trusts, and more – all tailored to the Indian context.
Yes, you can replay any game as many times as you like. Questions are randomly selected from a pool, so each playthrough may be different.

Life Stages

Five life stages with dedicated tools:
  • Student Life – Education loan EMI, expense breakdown
  • Professional Life – Emergency fund planner, 50/30/20 budget
  • Family Life – Child education SIP, family budget
  • Pre‑Retirement – Corpus projection, target planning
  • Retirement – Sustainability analysis, safe withdrawal
EMI = [P × r × (1+r)^n] / [(1+r)^n – 1] where P is loan amount, r is monthly interest rate, and n is loan tenure in months. The calculator shows monthly EMI, total payment, and total interest.
50% of income for needs (rent, utilities, groceries), 30% for wants (entertainment, dining), and 20% for savings and debt repayment. The tool shows your actual allocation against this benchmark.
We estimate future education costs using 12% annual return and calculate the monthly SIP needed to reach the goal by age 18. The formula accounts for compounding on your current savings and future contributions.
The 4% rule suggests you can withdraw 4% of your retirement corpus in the first year, adjusted for inflation, and have a high probability of the money lasting 30 years. The tool shows safe monthly withdrawal based on this rule.

Privacy & Data

No. All data stays in your browser. Refreshing the page resets everything to default values. We never see or store your financial information – complete privacy.
INDwallet uses only essential cookies required for basic site functionality. No tracking cookies, analytics cookies, or third‑party marketing cookies are used. Your privacy is our priority.
You can take screenshots or note down numbers. Direct sharing features are not implemented to maintain privacy. A future update may include optional export features.
Since all data stays in your browser and never leaves your device, encryption is handled by your browser’s standard security. We don’t transmit or store any personal data.

Technical Questions

Sliders let you see how small changes affect your finances instantly. It’s faster and more intuitive than typing numbers, especially for exploring different scenarios and what‑if analysis.
Make sure JavaScript is enabled in your browser. Try refreshing the page. If the problem persists, update your browser or try Chrome, Firefox, or Edge. Ad blockers rarely affect charts, but you can try disabling them temporarily.
Currently, game progress resets when you refresh. Browser storage may be added in future so you can resume games later. For now, each game is designed to be completed in one sitting (5‑10 minutes).
INDwallet works best on modern browsers: Chrome, Firefox, Safari, and Edge. Internet Explorer is not supported. All tools are tested on the latest versions of these browsers.
Yes! We’re constantly improving. Planned updates include liability tracking (loans), custom categories, export options, and more games. Follow us on social media for updates.

Quick Links

Explore our tools and start your financial journey today

Income & Expense Investment Monitor Goals & Budget Life Stages Games Unified Tracker

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