INDwallet: Your Money, Powered By 4-Wallet Intelligence
A free, private 4-wallet financial planner for India. Powered by a rule-based wallet intelligence engine, INDwallet organises your money into Income, Expenses, Investment and Wealth wallets — then gives you one Wallet Score out of 100 to see which wallet to fix first.
What This Tool Does — And What It Never Does
Use this page to plan your money across four wallets — free, private, and running entirely in your browser. The list below covers every capability, and every limit.
- Free, private, educational. Every tool, calculator and simulator is free. Browser mode never sends your inputs anywhere.
- No money handling. INDwallet does not accept deposits, process payments, or ask for bank details.
- No APK, no store listing. The only official places are indwallet.com and indwallet.base44.app.
- Two modes. Browser mode keeps every input on your device. App mode runs on Base44 with analytics enabled — read Base44's own privacy policy before signing up.
If you come across another app or page with a similar name that asks you to install, pay, or share banking details, it is not INDwallet. Please use only the two official addresses above.
What Is A Wallet Intelligence System?
A 4-wallet intelligence system organises your money into four connected wallets and scores each one against benchmarks. INDwallet combines six weighted components into a single Wallet Score out of 100, updated as you move the sliders. Read The Framework Guide →
What You Get With The 4-Wallet Intelligence System
Four free, private tools that work together — start anywhere.
The 4-Wallet Decision Engine
Pick your employment type and profile. Sliders adapt to your situation — and every insight on the right updates live, calibrated to your demographics, 2026 benchmarks, and your location.
Defaults are illustrative example values — move the sliders to your own numbers. All insights are calibrated to 2026 Indian benchmarks.
Your Wallet Intelligence Score Breakdown
Six weighted components — Income, Expenses, Liquidity, Investment, Wealth and Protection — combine into one number out of 100. Fixing the lowest-scoring components moves your total the fastest.
- Income (15%) — savings rate, income sources, stability.
- Expenses (18%) — essentials ratio, rent load, lifestyle share.
- Liquidity (18%) — emergency months vs your location target.
- Investment (18%) — portfolio vs annual income, diversity, age allocation.
- Wealth (16%) — net worth vs age-adjusted target, retirement readiness.
- Protection (15%) — term, health, CI, disability vs location benchmarks.
Educational only, not financial advice. The same rule-based method is explained on the Wallet Score Page →
Component Scores
Component Actions
| Component | Score | Action |
|---|
Your Financial Persona Profile
Built from your age, retirement age, dependents, location, employment type and all six Wallet Score components — with the badges you have already earned. Every score is calibrated to 2026 Indian benchmarks for your city tier.
Move the sliders in the Decision Engine to generate your persona.
4-Wallet Investor Styles: Which One Is Yours?
Each style has specific targets for the four wallets. The right-hand panel always shows your best match by default. Tap any card on the left to compare — or explore the runner-up to see how close your second-best shape is.
Use INDwallet Your Way
Browser mode for zero-financial-data planning. App mode on Base44 for goals and sync, with analytics enabled. Both are free, and both run on the same 4-wallet intelligence engine.
Zero Financial Data. Nothing Leaves Your Device.
Every calculation runs inside your browser. No login, no server storage, no tracking. Close the tab and everything is gone — the most private way to use the 4-wallet intelligence engine.
- No sign-up, no cookies, no analytics
- Your financial inputs stay in browser memory only
- No deposits, no payments, no bank details
- The most private way to plan your money
Goals & Sync, Hosted On Base44.
The INDwallet app adds goals, history and cross-device sync. It runs on Base44, and analytics is enabled on the app. Read Base44's own privacy policy and security overview before signing up.
- Base44 hosts the app; analytics is enabled
- Account required for sync and goals
- Read Base44's privacy policy and security overview first
- Web app only — no APK or store listing
Both modes are 100% free. Browser mode collects no financial data. App mode is hosted on Base44 with analytics enabled. INDwallet does not take deposits, payments or bank details in either mode.
Use Official Sources Only. INDwallet is at indwallet.com and indwallet.base44.app. If another app or page with a similar name asks you to install, pay, or share banking details, it is not INDwallet.
Advice For Your Life Stage
Your current stage is highlighted. Switch between your current and next stage on the right — default is always your current stage. Every insight is calibrated to 2026 Indian benchmarks for your age band.
Free, Private Tools For Real Decisions
Browse all tools on the left. On the right, click any recommended tool tab to see five detailed reasons why it fits your current situation — the top pick is shown by default.
Practise Before You Commit
Browse all simulators on the left. On the right, click any recommended simulator tab to see five detailed reasons why it fits your situation — the top pick is shown by default.
Want Everything In One PDF?
Related 4-Wallet Articles
Re-ranked from your wallet scores, employment, life stage, location and investor style. Six tabs, each with six article groups. Tabs auto-advance every 7 seconds — hover to pause.
Frequently Asked Questions
What Is INDwallet?
What Is A 4-Wallet Intelligence System?
Is INDwallet Free And Private?
Does INDwallet Take Money Or Offer An APK?
Is INDwallet Free, And Does It Collect My Data?
What's The Difference Between Browser Mode And The Base44 App?
How Is My Wallet Score Calculated?
Who Built INDwallet?
Three Checkpoints That Define Your Wallet
The Decision Engine reads your income, expenses, investments and protection — with age, retirement age, dependents and location tuned to your life. The Wallet Intelligence Score measures them against six weighted components. Your Persona names the shape you are building. Every other section — investor styles, life stages, tools, simulators — builds on those three checkpoints.