💰
📈
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Simulators
7 Tools
▲ All Free
Privacy
In-Browser
✦ Zero Data
Topics
100+
▲ India-specific
No Login
Ever
✦ Just Open & Play
Learn & Simulate
Master your money
7 Simulators · 100% Private · India-Built
Learn. Simulate.
Master your money.
Not a budgeting app. A financial operating system for India. Practice decisions before real money is on the line with our India-focused interactive money tools. Seven simulators — legacy planning, budgeting, investing, insurance — all in your browser, zero data collected, zero judgment.
✔ 100% Free
✔ No Data Stored
✔ India-First
⚡ Takes < 30 seconds
Simulators & Tools
Seven interactive money tools you can trust
Each simulator covers a distinct dimension of your money life — play, adjust, and learn without risk.
Editorial
The Blog
Deep dives into Indian personal finance — tax changes, market trends, money mindset, and real stories.
Read Articles →
Wealth Planning
Legacy Builder
Estate planning, wills, trusts, and generational wealth — 15+ guided questions to build your legacy roadmap.
Build Your Legacy →
Savings Habits
Savings Sprint
Boost your savings rate month by month. Covers compound interest, 50/30/20 rule, and DICGC limits.
Start Sprint →
Budgeting
Budget Master
India-specific: 80C, PPF, SSY, GST, TDS, LTCG. Drag sliders and watch your budget shift in real time.
Master Budget →
Family Goals
Education Fund
Plan your child’s higher education with inflation-adjusted IIT/medical cost projections. Sukanya, loans, scholarships.
Plan Fund →
Asset Allocation
Investment Quest
Risk profiling, diversification, and allocation by age. SIPs, ETFs, bonds, bear/bull cycles — all covered.
Start Quest →
Protection
Insurance Pro
Term vs whole life, riders, deductibles, waiting periods. Know exactly how much cover you actually need.
Calculate Cover →
What each India-focused money simulator coversTopics, depth, and what you’ll walk away knowing
- Legacy Builder: Wills, trusts, inheritance tax, executors, nominations — 15+ guided questions.
- Savings Sprint: Compound interest, emergency funds, 50/30/20, DICGC limits, savings rate targets.
- Budget Master: 80C deductions, PPF, SSY, GST impact, TDS recovery, LTCG, the 4% rule.
- Education Fund: Education inflation, Sukanya Samriddhi Yojana, student loans, scholarships, IIT vs private cost.
- Investment Quest: SIP mechanics, ETF basics, bonds, diversification theory, bear/bull market behaviour.
- Insurance Pro: Term vs whole life, rider types, waiting periods, deductibles, beneficiary rules.
- Blog: Regular long-form on tax changes, market cycles, and Indian money culture.
Real-world examples
Two people. Seven tools. One system.
See how INDwallet’s simulators fit real Indian financial journeys.
👩💻
Ananya, 24
Fresh Graduate · Bengaluru
Uses Savings Sprint to understand compound interest and build her first emergency fund. Then applies the 50/30/20 rule in Budget Master. Investment Quest helps her pick her first SIP before touching real money.
👨👧👦
Vikram, 38
Father of Two · Pune
Uses Education Fund Master to plan IIT costs with inflation. Legacy Builder walks him through wills and nominations. Insurance Pro confirms he needs ₹1.5Cr term cover — not ₹50L.
Best practices to get the most out of India’s financial simulatorsTen habits that turn practice into real financial progress
- Start focused: Pick one simulator matching your immediate goal — budget, insurance, or investment.
- Use the hints: Each quiz has hints — use them to learn, not just to score.
- Repeat quizzes: Randomised questions reinforce concepts — play each simulator multiple times.
- Apply immediately: After Budget Master, open the Expenses Wallet to track real spending.
- Combine tools: Education Fund → estimate corpus → simulate SIP in Investment Wallet.
- Read the blog: Articles provide context and deeper dives into each simulator’s topics.
- Use as a couple: Legacy Builder and Insurance Pro are especially powerful done together.
- Revisit annually: Tax laws and life change — replay quizzes to stay current.
- Chase the score: A 5/5 score means real understanding, not just lucky guesses.
- No data, no stress: Everything runs in your browser — experiment freely.
🧠 Ready to apply what you learn?
- After Savings Sprint — track your actual income in the Income Wallet
- After Budget Master — log real expenses in the Expenses Wallet
- After Investment Quest — build your SIP plan in the Investment Wallet
- After Legacy Builder — set your net worth targets in the Wealth Wallet
Frequently asked questions
legacy planning
savings rate
budgeting
education corpus
asset allocation
insurance cover
blog
privacy
🧮 Simulators
You set a target savings rate and the simulator shows how increasing it by 1% each quarter accelerates wealth. Pair with the Income Wallet to track real numbers.
It’s interactive — drag sliders to see instantly how changes affect budget categories. Then use the Expenses Wallet for real tracking.
Tuition, hostel, and inflation for Indian institutions — IITs, medical colleges. Includes Sukanya Samriddhi, loans, and scholarships.
Yes — it suggests asset allocation based on your age, goals, and risk tolerance. Compare with the Investment Wallet for actual tracking.
The common rule is 15–20× annual income. Insurance Pro factors in liabilities and dependents for a personalised estimate. See also the Family Life Stage.
🔐 Privacy & Usage
100% — all calculations happen in your browser. No servers, no tracking, zero data leaves your device. This is the core principle of INDwallet.
No account, no signup — just open and play. For cross-device sync, use the INDwallet App (still private).
Yes — screenshot your numbers. INDwallet doesn’t store them, so sharing is entirely under your control.
📘 General
Check the Blog — we publish regular insights on money management, investing, and Indian finance. Follow us on X (Twitter) for updates.
After experimenting, move to the matching wallet: Income, Expenses, Invest, or Wealth. The LifeStages Wallet bridges learning to life.
Fully interactive, private by design, integrated across life stages, and built specifically for India. No other tool combines all four wallets with real-time simulators in one free, no-login system.
Community
Connect with us
🧭 Explore the INDwallet Ecosystem
Simulation is practice. The wallets are where it gets real.
INDwallet – private · free · India-first