My Wallets
Manage your four‑layer architecture – click a card for detailed tools, or use the interactive dashboard below.
Income
Salary, freelance, passive
Expenses
Track spending, budgets
Investment
Equity, debt, gold
Wealth
Net worth, emergency
Total Income
₹0
Savings Rate
0%
Frequently Asked Questions
Your wallet‑level questions answered
salary allocation
50/30/20
freelance income
budgeting
EMI calculator
equity vs debt
SIP calculator
emergency fund
net worth
asset allocation
💰 Income Wallet
Start with 20% and increase 1% per quarter. Use the Income tab sliders to see how changes affect your savings rate.
We recommend 40% needs, 20% wants, 20% investments, 10% emergency, 10% goals. The dashboard lets you experiment.
Use the “average + buffer” method. Adjust the freelance slider to see the impact on your total income.
Aim for at least 20–30%. The chart shows your income vs expenses vs net.
🧾 Expenses Wallet
They ignore psychology. Our Expenses Wallet uses bucket capping – once empty, you stop spending. No guilt.
Always pay high‑interest debt first. In the Expenses tab, set your EMI and see how it affects your surplus.
It depends on income. The Family stage in LifeStages has sample budgets. Here you can customise your own.
Avalanche (highest interest first) saves more money; snowball builds momentum. Our calculator helps you decide.
📈 Investment Wallet
Equity % = 100 – age (including PPF/EPF as debt). Use the Investment tab to test different allocations.
Start with ₹500 SIP. Our Investment tab shows how contributions grow over time.
Equity for long‑term goals, debt for short‑term. Adjust the sliders to see the mix.
ELSS, PPF, NPS, tax‑saver FDs. Our Investment tab includes these categories.
🏦 Wealth Wallet
6 months of essential expenses. The Wealth tab lets you set assets and liabilities to see your net worth.
Benchmark: by 30 → 1x annual salary, 40 → 3x, 50 → 6x. Track yours with the Wealth tab.
FI = annual expenses × 25 (or 30 for early retirement). Use the Wealth tab to experiment.
0‑100 score combining savings, diversification, emergency, risk. The dashboard updates it live.