4 Wallets · Unified View · 100% Private
My Wallets — India’s Four‑Layer Financial Operating System
Not a budgeting app. A financial operating system for India.
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.
✔ 100% Free
✔ No Data Stored
✔ India-First
⚡ Takes under 30 seconds
🔒 Data stays in your browser
4
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. Visualise total inflow and stability.
Open Income Wallet →
Budgeting
Expenses Wallet
Categorise spending, track EMIs, and catch lifestyle inflation before it starts.
Optimise Spend →
Asset Allocation
Investment Wallet
Plan SIPs, monitor equity/debt mix, and model long‑term wealth creation.
Build Investment Plan →
Net Worth
Wealth Wallet
Track assets, liabilities, emergency fund, and your path to financial independence.
Calculate Wealth Future →
Explore More
Articles & Insights
Deep dives into India’s financial system, wallets, and wealth building.
₹30,000 Salary Financial Plan India
Split it right. Build it fast.
Read →How to Divide Your Salary in India
One formula. Five buckets. Zero guesswork.
Read →Asset Allocation by Age India
The right mix at every stage of life.
Read →Emergency Fund Calculator India
Your financial cushion, calculated exactly.
Read →Net Worth Calculator India
Know where you stand. Build from there.
Read →Financial Independence Number India
Your freedom number, India-specific.
Read →What each wallet doesDepth, use cases, and how they connect
- 💰 Income Wallet: Track salary, freelance, and passive income. Helps you visualise your total cash inflow and stability.
- 🧾 Expenses Wallet: Categorise spending (housing, food, EMIs, etc.). Identifies where your money goes and suggests budget tweaks.
- 📈 Investment Wallet: Monitor equity, debt, gold, and FD. Calculates your equity risk score and shows allocation.
- 🏦 Wealth Wallet: Combines assets and liabilities to show net worth. Tracks emergency fund progress and debt‑to‑asset ratio.
- Wallet Score: A unified 0‑100 score based on savings, diversification, emergency fund, and debt levels.
Real-world example
How Priya transformed her finances with the four wallets
A 34‑year‑old professional in Mumbai builds her financial system step by step.
👩💼
Priya, 34
Marketing Manager · Mumbai
Uses Income Wallet to track ₹80,000 salary + ₹10,000 freelance. Expenses Wallet reveals ₹60,000 monthly outflow, leaving ₹30,000 surplus.
📊
Her Wallet Score
Started at 58 → Now 78
Investment Wallet helps her start a ₹20,000 SIP (70% equity, 20% debt, 10% gold). Wealth Wallet shows net worth climbing and emergency fund fully funded.
Best practices for using the four walletsTen habits that turn tracking into real progress
- Start with Income: Know your total monthly cash flow before planning expenses or investments.
- Track every expense: Use the Expenses Wallet to categorise – you’ll be surprised where money leaks.
- Emergency fund first: Aim for 6 months of essential expenses in Wealth Wallet before aggressive investing. RBI consumer guidance.
- Diversify investments: Spread across equity, debt, and gold to manage risk – explore the Investment Wallet.
- Monitor net worth quarterly: Wealth Wallet gives you the big picture – assets minus liabilities.
- Set SMART goals: Specific, Measurable, Achievable, Relevant, Time‑bound for each wallet.
- Review after life events: Marriage, job change, or birth – update your wallets.
- 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.
📊 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?
Frequently asked questions
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 Wallet to track multiple streams, and pair it with Savings Sprint to optimise your savings rate. You can also see how your savings impact your net worth in the Wealth Wallet.
We recommend 40% needs, 20% wants, 20% investments, 10% emergency, 10% goals. Adjust based on your situation. Try the Savings Sprint to experiment, and see how your spending aligns in the Expenses Wallet. For a family perspective, visit the Family Life Stage.
Use the “average + buffer” method. Track good and bad months in Income Wallet to find your baseline. For tax comparisons, check the Freelancer vs Salary Simulator and plan your emergency fund with the Emergency Fund Calculator.
Aim for at least 20–30%. The higher, the faster you reach financial independence. Use the Savings Sprint to set goals, and track your progress in the Wealth Wallet. For retirement planning, see the Pre‑Retirement Life Stage.
🧾 Expenses Wallet
They ignore psychology. Our Expenses Wallet uses bucket capping – once empty, you stop spending. No guilt. For a deeper dive, try the Budget Master Simulator and see how your spending compares to the Professional Life Stage benchmarks.
Always pay high‑interest debt first. The Expenses Wallet helps you see the impact on your surplus. Use the EMI Calculator to compare different loan tenures and interest rates. For debt management, explore the Student Life Stage for loan strategies.
It depends on income. The Family Life Stage has sample budgets. Customise in Expenses Wallet and track your emergency fund goal in the Wealth Wallet. For education planning, see Education Fund Master.
Avalanche (highest interest first) saves money; snowball (smallest first) builds momentum. Choose what suits you. Use the EMI Calculator to see the total interest saved. For a holistic view, check your debt‑to‑asset ratio in the Wealth Wallet.
📈 Investment Wallet
Equity % = 100 – age (including PPF/EPF as debt). Use the Investment Wallet to test different mixes, and compare with the SIP vs Lumpsum Simulator. For retirement, see the Pre‑Retirement Life Stage.
Start with ₹500 SIP. The Investment Wallet shows how contributions grow over time. Use the SIP vs Lumpsum Simulator to project future value. For tax‑saving options, check Old vs New Tax Regime.
Equity for long‑term goals, debt for short‑term. The Investment Wallet helps you visualise the split. Explore the Investment Quest for a risk‑profiling game. For fixed‑income options, see FD and RD calculators.
ELSS, PPF, NPS, tax‑saver FDs. Include them in your Investment Wallet to track allocation. Use the Old vs New Tax Regime Simulator to see which regime benefits you most. For retirement, also consider Legacy Builder.
🏦 Wealth Wallet
6 months of essential expenses. Wealth Wallet lets you set a target and track progress. Use the Emergency Fund Calculator for a detailed calculation. For income stability, pair with Income Wallet.
Benchmark: by 30 → 1x annual salary, 40 → 3x, 50 → 6x. Wealth Wallet calculates it for you. Compare with the LifeStages Wallet to see where you stand. For retirement, check the Retirement Life Stage.
FI = annual expenses × 25 (or 30 for early retirement). Use Wealth Wallet to model different scenarios, and see how your investments grow with the Investment Wallet. Explore the Legacy Builder for estate planning.
0‑100 score combining savings, diversification, emergency, risk. The higher, the healthier your finances. See your score in the Wealth Wallet. Improve it by using the Savings Sprint and Investment Quest.
Recommended
Related Reading
Dive deeper into India’s wallet‑based financial system.
Why Traditional Budgeting Fails in India
The system problem hiding behind discipline.
Read →How to Build Wealth in Your 30s (India)
Practical steps for the decade that matters most.
Read →Tax Planning with the Wallet System
Use structure to save tax, not just deductions.
Read →SIP vs Lump Sum: Which Works in India?
Market timing vs discipline. The real answer.
Read →Rent vs Buy: The Indian Homeowner’s Dilemma
Crunch the numbers before you decide.
Read →Retirement Planning India 2026
Start early, stay disciplined, and know your number.
Read →
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