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4-Wallet Intelligence

Your money, in four clear wallets. Scored in one number.

INDwallet organises everything you earn, spend, invest and protect into four connected wallets. Six weighted components combine into one Wallet Score out of 100 — with a live Decision Engine, a Financial Persona and six Investor Styles built in.

Try the Decision Engine → Open App
Free Browser-based No deposits Educational

Last updated:

77 SCORE MONEY INIncome MONEY OUTExpenses GROWINGInvest PROTECTEDWealth
The 4-Wallet System

Four wallets, four jobs.

Each wallet has a different job. Together they tell you whether your money is earning, leaking, growing or protected.

Money in

Income Wallet

Salary, freelance, business, rental and dividends — the streams that feed the household.

Explore →
Money out

Expenses Wallet

Rent, groceries, healthcare, transport and lifestyle spending — where money leaks.

Explore →
Money growing

Investment Wallet

Equity, mutual funds, fixed income, gold and real estate — the compounding assets.

Explore →
Money protected

Wealth Wallet

Net worth, insurance, emergency fund and pension — the buffer against shocks.

Explore →
How it works

From numbers to a clear next step.

Three checkpoints turn raw income and spending data into a live, rule-based plan. No account, no deposits, no bank details.

1

Enter your numbers

Salary, rent, investments, insurance — a small set of sliders. Nothing leaves your browser in Browser mode.

2

See six weighted scores

Income, Expenses, Liquidity, Investment, Wealth and Protection. Fixed weights: 15 / 18 / 18 / 18 / 16 / 15.

3

Get a next action

One Wallet Score out of 100, one Persona, one best-fit Investor Style — and a specific fix for the weakest wallet.

Live · Interactive

Your Decision Engine

Pick your profile — sliders auto-adjust. Score, Persona and Investor Style all update live as you move.

Your Profile

Income
₹1.50 L
₹0
Expenses
₹40 K
₹20 K
Assets
₹15 L
₹5 L
Protection
₹50 L
₹5 L
Demographics
32
2
77
Score

Good — a few gaps worth closing

Emergency 8.4 mo · Savings 78%

Income
75
Expenses
85
Liquidity
58
Investment
91
Wealth
61
Protection
61
Fix this firstLiquidity at 58/100 — add to a liquid fund to reach your 6-month target.

10 Insights From Your Data

    Wallet Score

    One number out of 100.

    Six weighted components combined by fixed rules. See your overall score, verdict band and the lowest-performing component.

    77
    Score

    Good — a few gaps worth closing

    Emergency 8.4 months · Savings 78%

    ComponentScoreAction
    Financial Persona

    What shape is your wallet taking?

    Your Persona is built from your score band, dominant wallet, badges and demographic context.

    🦾
    Band 75-84 · Dominant: Investment
    The Steady Sentinel

    "Calm, compounding, unshakeable."

    Score
    77
    Age
    32
    Retire
    55
    Deps
    2
    Badges Earned
    What Your Data Says
      Investor Styles

      Six wallet shapes. One best match.

      Each archetype has specific targets across the four wallets. Your match is calculated from how your money is distributed.

      From the blog

      Latest insights from the 4-wallet system

      Twelve curated articles on the topics that shape your Wallet Score.

      1 / 2

      Track your wallet over time

      The Base44 app adds goals, history and cross-device sync on top of the same wallet engine. Account-based. Analytics enabled. Web app only.

      Open App →Dashboard
      FAQ

      Straight answers.

      What is INDwallet?
      INDwallet is a free, rule-based 4-wallet financial planner for India. It organises your money into four connected wallets — Income, Expenses, Investment, Wealth — and evaluates six weighted financial components to produce one Wallet Score out of 100.
      How is my Wallet Score calculated?
      Six weighted components: Income 15%, Expenses 18%, Liquidity 18%, Investment 18%, Wealth 16%, Protection 15%. Each responds to specific inputs, employment type and location benchmarks.
      Is INDwallet free and private?
      Yes. Browser mode is completely free and performs calculations in your browser — financial inputs are not transmitted to INDwallet servers. Base44 app mode has analytics enabled — review Base44's privacy policy before signing up.
      Does INDwallet take deposits?
      No. No deposits, no payments, no bank details, no APK. The only official locations are indwallet.com and indwallet.base44.app.
      Is this financial advice?
      No. All scores, personas, styles and recommendations are illustrative and educational. INDwallet is not a registered adviser, broker or bank, and this is not financial, investment, tax, insurance or legal advice. Tax and insurance rules change frequently — please do a personal check with a Chartered Accountant (CA) or a qualified tax professional before acting on any tax-related content.
      Who built INDwallet?
      Akshay Gopinath — digital media, ad-tech and business partnerships professional with over 14 years of experience. Previous roles include Country Manager at Investing.com and Partnerships Manager at ByteDance.
      Author

      About the author

      AG

      Akshay Gopinath

      Founder, INDwallet · India

      INDwallet was created by Akshay Gopinath, a digital media, ad-tech and business partnerships professional with over 14 years of experience. His previous roles include Country Manager at Investing.com and Partnerships Manager at ByteDance, working on TikTok and Helo in India. INDwallet is his independent contribution to financial literacy for Indian households.

      Ready?

      Three checkpoints. One connected system.

      The Decision Engine reads your numbers. The Wallet Score measures them across six weighted components. Your Persona names the shape you are building.

      Full Dashboard →Open App
      Wallet Score
      77/100
      Financial Persona
      Steady Sentinel
      Best Style
      Brand Compounder
      Savings Rate
      78%