INDwallet – India’s Structured Wallet Intelligence · Income · Expenses · Invest · Wealth · LifeStages
INDwallet › Structured Wallet Intelligence
Get started

India’s first structured wallet intelligence

Four wallets. One operating system. 100% private, real‑time, and built for your life stages.

Build your wallet See how it works

The four‑layer architecture

💰

Income

Salary, freelance, passive – all streams.
🧾

Expenses

Categorise, budgets, optimise.
📈

Invest

Equity, debt, gold – live allocation.
🏦

Wealth

Net worth, liabilities, emergency fund.

Designed for every life stage

🎓

Student

Loan, part‑time, first budget
💼

Professional

Emergency fund, 50/30/20
👨‍👩‍👧

Family

Child education, SIP, expenses
📈

Pre‑retire

Corpus, 4% rule
🏠

Retire

Withdrawal, longevity

Your live Wallet Score

A single number that tracks savings rate, diversification, emergency coverage & risk alignment — updated in real time as you adjust your wallets.

78/100 good

Frequently asked questions

💰 Income Wallet · Salary & Earnings
How much of my salary should I save?
Start with 20% and increase 1% per quarter. Use our Savings Sprint Simulator to find your ideal savings rate based on age and city.
What is the 50/30/20 rule for India?
We recommend 40% needs, 20% wants, 20% investments, 10% emergency, 10% goals. Play with the Salary Allocator.
How to plan variable income as a freelancer?
Use the “average + buffer” method. The Income Wallet helps you allocate high‑earning months to future months. Check the Income Wallet guide.
What is the best salary allocation for Indians?
A refined rule: 40% needs, 20% wants, 20% investments, 10% emergency, 10% term goals. See Income Wallet for details.
🛒 Expenses Wallet · Budget & Debt
Why do most budgets fail?
They ignore psychology. The Expenses Wallet uses bucket capping – once empty, you stop spending. No guilt. Try the Budget Master Simulator.
How to prioritise EMIs and debt?
Always pay high‑interest debt (credit cards) from the Expenses Wallet before discretionary spending. Use our EMI Calculator.
What is a good monthly budget for a family?
It depends on income. The Family Life Stage page has sample budgets for 1L, 1.5L, 2L salaries.
Avalanche or snowball method?
Avalanche (highest interest first) saves money; snowball (smallest first) builds momentum. Our Expenses Wallet recommends avalanche for credit cards.
📈 Investment Wallet · Grow Capital
What is the ideal asset allocation by age?
Equity % = 100 – age (including PPF/EPF as debt). For a 30‑year‑old, 70% equity, 30% debt. Use Investment Quest Simulator.
How to start investing with a small salary?
Start with ₹500 SIP. The Investment Wallet automates small amounts. Try Education Fund Master or Insurance Pro.
Equity vs debt – how to decide?
Equity for long‑term goals (retirement), debt for short‑term (down payment). Use FD Calculator and RD Calculator.
What are the best tax‑saving investments under 80C?
ELSS, PPF, NPS, tax‑saver FDs. Compare with Investment Wallet tools.
🏦 Wealth Wallet · Protect & Preserve
How much emergency fund do I need in India?
6 months of essential expenses (rent, EMIs, groceries). Calculate with Emergency Fund Calculator.
What is a good net worth by age?
Benchmark: by 30 → 1x annual salary, 40 → 3x, 50 → 6x. Track with Legacy Builder Simulator.
How to calculate my FI number?
FI = annual expenses × 25 (or 30 for early retirement). Use the Legacy Builder Simulator inside Wealth Wallet.
What is the Wallet Score?
0‑100 score combining savings, diversification, emergency, risk. Above 75 is strong. See Wallet Score page.
⏳ LifeStages Wallet · Plan by Decade
Financial planning in your 20s?
Build emergency fund, start SIPs, avoid debt. Visit Student Life Stage.
How to balance home loan, child education, retirement in 30s/40s?
Use the Investment Wallet for growth and LifeStages for goal prioritisation. See Professional and Family stages.
Pre‑retirement checklist?
Shift to capital preservation, plan withdrawal. Explore Pre‑Retirement Life Stage.
Retirement corpus withdrawal strategies?
4% rule, bucket strategy. Check Retirement Life Stage.
🔐 Privacy & General
Is my data safe?
100% – all data stays in your browser. No servers, no tracking. Read our Privacy Policy.
Do I need an account?
No signup, no email – completely free and private.
How is INDwallet different from other tools?
We model “what if” scenarios – slide any slider and see net worth, Wallet Score, and risk change instantly. Built by India, for India.
Income Expenses Investment Wealth

Your financial operating system

Join thousands of Indians who have built their wallet intelligence. 100% private, zero spam, always free.

Explore the wallets