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.

About Us
Access Your Wallet Today

Services

Everything You Need to Master Money

Powerful tools designed specifically for Indian millennials

Income & Spent Wallet

Wealth & Investment Wallet

Financial Goals & Budget Wallet

Unified Wallet Tracker

LifeStages Wallet

Financial Games Wallet

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.

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Income & Expense

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

Budget Cash Flow Savings Rate
→
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Investment Monitor

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

Net Worth SIP Planner Allocation
→
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Goals & Budget

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

Goal Planner SIP Calculator Probability
→
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Unified Tracker

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

Wallet Score AI Insights Radar
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Why Our Financial OS Works

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Real‑Time Updates

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

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Cross‑Tool Sync

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

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100% Private

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



Unified Wallet Tracker – INDwallet

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, and emergency coverage

📊 Investment Allocation
Equity 40%
Debt 30%
Gold 15%
FD/RD 15%
🛡️ Emergency Fund
0 months 6.2 months 12+ months
Target (6 months) ₹9,00,000
📡 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 Rate 50%
Suggested SIP ₹1,05,000
📡 Wallet Radar
📊 Cash Flow
🔍 Risk Analysis
Volatility MODERATE
Diversification GOOD
Liquidity HEALTHY
🤖 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 your first salary system, build 3-month emergency fund, and start your first SIP.

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

Optimize Investments & Growth

Scale income streams, maximize investment allocation, and build net worth aggressively.

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

Expand Wealth & Stability

Shift to wealth preservation, reduce risk, and plan children’s education and retirement.

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

Protect & Preserve Assets

Secure retirement corpus, shift to low-risk assets, and activate wealth transfer planning.

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


Financial Games – INDwallet

Financial Games

Learn personal finance through interactive gameplay. Earn XP, build streaks, master money.

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Budget Master

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

Savings Sprint

Compound interest, goal planning, and smart saving strategies.
Easy Savings Interest
🎓

Student Life Challenge

Student budgets, education loans, campus money habits.
Medium Student Loans
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Investment Quest

SIP, mutual funds, asset allocation, rule of 72.
Medium SIP MF
💼

Professional Life

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

Family Life Manager

Family floater insurance, education funds, wills.
Medium Insurance Wills
🏠

Family Builder

Joint family expenses, trusts, teaching kids about money.
Hard Trusts Estate
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Education Fund Master

Education inflation, scholarships, 80E, Sukanya Samriddhi.
Hard Education Scholarship
🛡️

Insurance Pro

Term insurance, deductibles, riders, claims.
Hard Term Riders
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Pre‑Retirement Planner

4% rule, asset allocation by age, annuities.
Hard Retirement 4% Rule
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Legacy Builder

Estate planning, trusts, inheritance, executors.
Expert Estate Trusts

How Games Work

Learn, play, and master personal finance

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5 Levels per Game

Progressive difficulty – earn XP for each correct answer

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Streak Bonus

Consecutive correct answers multiply your XP

❤️

Lives System

3 lives per game – learn from mistakes

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Smart Hints

Use hints when stuck – they don’t cost lives

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Grades S to C

See your score, XP, and personalised feedback

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Performance Breakdown

Accuracy, streak, efficiency – all tracked





Frequently Asked Questions – INDwallet

Frequently Asked Questions

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

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No questions found matching your search. Try different keywords.

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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Copyright © 2026 – INDwallet – India’s AI-Powered Personal Finance & Investment Wallet | This app provides general information only. Use is at your own risk, and we are not liable for any inaccuracies or your reliance on its content