My Wallets – Financial Operating System India | INDwallet

Income

Expenses

Investment

Wealth

4 Wallets

One System

▲ Income to Wealth

Wallet Score

82/100

▲ Excellent

Privacy

100% Private

✦ In‑Browser

Free Forever

₹0

▲ No Cost

📊

My Wallets

Income · Expenses · Invest · Wealth

4 Wallets · Unified View · 100% Private

My Wallets — India’s Four‑Layer Financial Operating System

Track income, control spending, plan investments, and build wealth — all inside one unified architecture designed for India. No signup, no login, your data stays in your browser.

💰 Open Income Wallet 📊 Check Wallet Score →

✔ 100% Free ✔ No Data Stored ✔ India-First ⚡ Takes under 30 seconds 🔒 Data stays in your browser

Wallets

15+

Tools & Simulators

100%

In‑Browser

₹0

Forever Free

Core Product

Your Financial Life, Built in Layers

Stop managing money randomly. Build your financial system step‑by‑step.

💰

Cash Flow

Income Wallet

Track salary, freelance, and passive income.

Categorise spending, track EMIs, catch inflation.

Plan SIPs, monitor equity/debt mix, model growth.

Track assets, liabilities, emergency fund, FI path.

Net WorthFI

Calculate →

What each wallet does

💰 Income Wallet: Track salary, freelance, passive income. Visualise total inflow and stability.
🧾 Expenses Wallet: Categorise spending, identify leaks, and set budget caps.
📈 Investment Wallet: Monitor equity, debt, gold, FD. Calculates equity risk score.
🏦 Wealth Wallet: Combines assets & liabilities to show net worth. Tracks emergency fund progress.
Wallet Score: A unified 0‑100 score based on savings, diversification, emergency fund, and debt levels.

Case Study: Priya transforms her finances

Priya, 34 – Marketing Manager in Mumbai.
Uses Income Wallet to track ₹80,000 salary + ₹10,000 freelance. Total monthly income: ₹90,000.
Expenses Wallet reveals ₹60,000 monthly outflow (rent, EMIs, lifestyle). Surplus = ₹30,000.
She sets a Wallet Score target of 75+ (started at 58, now 78).
Investment Wallet helps her start a ₹20,000 SIP with 70% equity, 20% debt, 10% gold.
Wealth Wallet shows net worth climbing and emergency fund fully funded (6 months of expenses).
Result: Financial confidence + clear roadmap to financial independence.

Best practices for using the four wallets

Start with Income: Know total monthly cash flow before planning expenses or investments.
Track every expense: Use Expenses Wallet to categorise – you’ll be surprised where money leaks.
Emergency fund first: Aim for 6 months of essential expenses in Wealth Wallet.
Diversify investments: Spread across equity, debt, and gold per AMFI’s asset allocation guidelines.
Monitor net worth quarterly: Wealth Wallet gives the big picture – assets minus liabilities.
Set SMART goals: Specific, Measurable, Achievable, Relevant, Time‑bound for each wallet.
Use the Wallet Score: Track it over time – a rising score means you’re on the right path.
Match investments to goals: Equity for long term (>7 years), debt for short term.
Keep liabilities low: Aim for debt‑to‑asset ratio <40% in Wealth Wallet.
Review after life events: Marriage, job change, or birth – update your wallets.

📊 Know exactly where you stand — right now

Your Wallet Score (0–100) measures income, spending, investment, and wealth in one live number
Slide any input and see your score change instantly — model “what if” scenarios safely
Above 75 is strong. Most Indians don’t know their number. Do you?

👉 Calculate My Wallet Score 📈 Open Investment Wallet

Explore More