Your money, organised in four wallets
A free 4-wallet financial planner for India. Sort your money into Income, Expenses, Investment and Wealth, get a Wallet Score out of 100, and see which wallet to fix first.
What is a wallet intelligence system?
A wallet intelligence system organises your money into four connected wallets — Income, Expenses, Investment and Wealth — then scores each one against benchmarks. INDwallet combines six weighted components into a single wallet score out of 100, updated live as you move sliders.
The Decision Engine
Pick your employment type and profile. Sliders adapt to your situation — and every section below updates live.
Your wallet score breakdown
Your wallet score combines six weighted components — Income, Expenses, Liquidity, Investment, Wealth and Protection — into one number out of 100. Fixing the lowest-scoring components moves your total the fastest.
- Income (15%) — savings rate, number of income sources, employment stability.
- Expenses (18%) — essentials ratio, rent load, lifestyle share.
- Liquidity (18%) — emergency fund months, dependents buffer.
- Investment (18%) — portfolio vs annual income, asset diversity, age-adjusted allocation.
- Wealth (16%) — net worth vs age-adjusted target, retirement readiness.
- Protection (15%) — term cover vs 10× income, health cover, critical illness, disability, dependents.
Retirement maths uses illustrative assumptions (6% inflation, 10% returns, 25× expense corpus). All scores are educational only, not financial advice.
Component scores
Component actions
| Component | Score | Action |
|---|
Investor styles: which one is yours?
Each style has specific targets for the four wallets. Tap any card on the left to see how your data compares.
Study the strategy, not the portfolio. Names are public examples of a style.
Use INDwallet your way
Browser mode for zero-data planning — nothing leaves your device. App mode on Base44 for goals and sync, with strict data and privacy controls. Both are free. You choose the data contract.
Zero 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.
- No sign-up, no cookies, no analytics
- Inputs stay in browser memory only
- 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, which follows strict data and privacy controls.
- Runs on Base44 — strict privacy controls
- Account required for sync and goals
- Review Base44's own policy before signing up
Both modes are 100% free. Browser mode collects nothing. App mode is hosted on Base44, which follows strict data and privacy controls — please review Base44's privacy policy before signing up.
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.
Tools for real decisions
Browse all tools on the left. On the right, click any recommended tool tab to see why it matters for your 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 why it matters for your situation — the top pick is shown by default.
Want everything in one PDF?
Latest articles
Re-ranked automatically based on your wallet scores, employment, stage, and investor style. Click the tabs to browse.
Frequently asked questions
What is INDwallet?
What is a wallet intelligence system?
Is INDwallet free, and does it collect my data?
What's the difference between browser mode and the Base44 app?
How does the decision engine work?
What are the four wallets?
How is my wallet score calculated?
Is this financial advice?
How is INDwallet different from a budgeting app or calculator?
Is Base44 safe?
Who built INDwallet?
Three checkpoints that define your wallet
The Decision Engine reads your income, expenses, investments and protection across all four wallets. The Wallet Score measures them against six weighted components. The Investor Style shows the shape to aim for. Every other section — life stages, tools, simulators — builds on those three checkpoints.