My Wallets – 4-Wallet Financial Intelligence System | INDwallet

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🏦 Four Wallets · One Score · Zero Guesswork

My Wallets – Know where every rupee lives

Q: How many income streams should I have?

Aim for 3–5 distinct income sources. Use the Income Wallet to track yours.

Organise your money into four connected wallets, track every flow, and see your Wallet Score update live. All in your browser — no signup, no tracking, completely private.

📊 Open Live Dashboard 💰 Explore Income Wallet 🎯 Check Wallet Score

✔ 100% free ✔ No data stored ✔ India-first ⚡ Under 30 seconds

1. Your financial life in layers
2. Tune your wallets
3. Live wallet dashboard
4. Five rules-based insights
5. Wallet balance score
6. Real household story
7. Wallet best practices
8. Articles & insights
9. Browser vs App mode
10. Frequently asked questions

The Architecture

Your financial life, built in layers

Each wallet isolates one function of your money. That prevents lifestyle inflation from eating into your investments. Every rupee gets a distinct job — and you can see it working in real time.

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Layer 1: Cash flow

Income Wallet

Track salary, freelance and passive income. See your total inflow and how diversified it is.

SalaryFreelancePassive

Open → 🧾

Layer 2: Budgeting

Expenses Wallet

Categorise spending, identify leaks, track EMIs and set budget caps.

BillsEMIsSubscriptions

Optimise → 📈

Layer 3: Asset allocation

Investment Wallet

Plan SIPs, monitor your equity/debt mix and model long-term growth.

Combines assets & liabilities, tracks your emergency-fund buffer and FI path.

AssetsEmergency FundFI Path

Calculate →

You’ve seen the architecture. Ready to model your own? Open the Decision Engine →

Step 1 · Interactive

Tune your wallets

Every rupee has a job. Income fills the wallet, expenses drain it, investments grow it, and wealth measures what you’ve built. Drag the sliders below to model your own flows. Every chart and score recalculates live.

8 sliders across 4 wallets · ₹0 to ₹20L each
Live recalculation — nothing stored
Read: How to divide salary in India

🎛️

Your wallet flows 8 streams · ₹ per month · each color matches its wallet

You’ve tuned your wallets. Ready to see what to fix first? Open the Decision Engine →

Step 2 · Visualise

Your live wallet dashboard

A healthy salary feels different when you see the split. The doughnut shows where your income goes. The bar shows the absolute size of each wallet. Together they answer: how much flows in, how much flows out, and how much you’re building.

Doughnut — percentage allocation per wallet
Bar — absolute rupees, ranked
Cross-check with your Wallet Score

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💰 Total Income

—

💸 Total Outflow

—

📊 Savings Rate

—

🏦 Net Worth

📊

Where your income goes

📈

Wallet flows (monthly)

Analysis: Your monthly income is —. You allocate — to expenses, — to investments, leaving a surplus of — (— of income). Your savings rate is —, which is —. Net worth stands at —.

Want a snapshot for your records or CA? Download the PDF →

Step 3 · Read the signals

Five rules-based insights

Charts show the picture. Insights explain what to do. Five rules run silently behind your sliders — savings rate, expense ratio, investment rate, emergency fund, and overall wallet health. Each carries a status so you can scan in ten seconds and know where to focus.

Savings rate — above 20%?
Expense ratio — below 60%?
Investment rate — above 20%?

Step 4 · Score

Wallet balance score

From 0 to 100, blending four factors: savings rate, expense discipline, investment consistency, and emergency fund adequacy. Zero on all fronts scores zero. A balanced mix pushes into the high 80s. Above 60 is healthy. Below 40 is urgent.

0–100, higher is more resilient
Above 80 — highly balanced
Feeds the overall Wallet Score

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Wallet BalanceYour financial health

72 /100 Moderately Balanced

You have a decent balance across wallets. Focus on growing passive income and building the emergency fund.

Step 5 · Real household

Our wallet story

Real families plan in the kitchen, not on spreadsheets. Meera and Raj live in Pune, both work full-time, each keeps one side stream. Their numbers are live — the story is wired to the same data model you’re using.

Dual income, two side streams
Uses Wallet system monthly
Read: Plan your monthly salary

👥

Meera & Raj · Pune, India

Real‑time wallet snapshot

Live

Hi, we’re Meera (34, graphic designer) and Raj (37, software engineer). We use the sliders to understand our wallet balance and build a more resilient future.

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Total Income

—

Savings Rate

—

Net Worth

Right now our monthly income is — with a savings rate of —. Our net worth stands at —. Wallet balance is — — —. Track expenses in the Expenses Wallet and investments in the Investment Wallet.

Step 6 · Playbook

Wallet best practices

Nine rules we wish every earner knew. They’re not exotic — most show up in every personal-finance book. But they’re also the ones that get skipped. The list adapts to your sliders: high expenses light up, too little investment nudges you.

3–5 income streams, top below 60%
Savings rate 20%+
Tax check via Tax Simulator

✅

Your personalised wallet rulesReflects the sliders above

Savings rate: Aim for 20%+. Current: —
Expense ratio: Keep below 60%. Current: —
Investment rate: 20%+ of income. Current: —
Emergency fund: 6 months of expenses. Current: —
Net worth: Track quarterly. Current: —
Tax efficiency: Use the Tax Simulator.
Review monthly: Adjust sliders as income changes.
Grow streams: Add freelance or passive income.
Balance: Don’t let expenses eat investments.

You’ve read the playbook. Ready to turn these rules into one action? Open the Decision Engine →

Step 7 · Read more

Wallet & income articles

Six guides covering what shows up most in our inbox: how to divide salary, how much to save, planning on ₹30K to ₹1L a month, and why traditional budgeting fails in India. Short, India-first, jargon-free.

Six India-first guides
Covers ₹30K, ₹50K, ₹1L bands
Includes the wallet-system explainer

Income

How to Divide Salary in India (2026)

One formula. Five buckets. Zero guesswork.

Read → Income

₹30,000 Salary Financial Plan

Split it right. Build it fast.

Read → Investment

Asset Allocation by Age

The right equity-debt-gold mix at every stage.

Read → Wallets

What is a Financial Wallet System?

The core framework behind INDwallet.

Read → Wealth

Net Worth Calculator India

Assets minus liabilities, explained.

Read → Emergency

Build Your 2026 Emergency Fund

How much buffer and where to keep it.

Read →

Take your wallets with you

Two modes, one promise. Browser mode keeps everything on your device. App mode adds goals and cross-device sync, hosted on Base44 with strict data and privacy controls. Both free.

🛡️ Browser mode

Zero data. Nothing leaves your device.

Every wallet runs in your browser. No login, no server storage, no tracking. Close the tab and everything is gone.

Open Dashboard →

📱 App mode · Base44

Goals & sync, hosted on Base44.

The app adds goals, history and cross-device sync. Runs on Base44, which follows strict data and privacy controls.

Open Base44 app →

Both modes are 100% free. Browser mode collects nothing. App mode is hosted on Base44 — please review Base44’s privacy policy before signing up.

Step 8 · Answers

Frequently asked questions

💰 Income Wallet

How many income streams should I have?

Aim for 3–5 distinct sources. Use the Income Wallet to track yours — the diversity score updates live.

What’s a good monthly budget rule for India?

A common Indian rule is 40% needs, 20% wants, 20% investments, 10% emergency, 10% goals. The Expenses Wallet helps you implement it.

How do I track irregular freelance income?

Add a “Freelance” slider and update it monthly. For variable income try the Savings Sprint Simulator.

📊 Investment Wallet

What is the ideal asset allocation by age?

A common heuristic is equity % = 100 – age. The Investment Wallet lets you test different mixes and see your equity risk score.

How much should I invest monthly?

Aim for at least 20% of gross income. Use the Savings Sprint Simulator to find your optimal rate.

How is freelance income taxed in India?

Taxed as business income under “Profits and Gains”. Compare regimes with the Tax Simulator.

🏦 Wealth Wallet

How much emergency fund do I need?

Around 6 months of essential expenses. The Wealth Wallet lets you set a target and track progress.

What is a good net worth by age?

A common benchmark is 1× annual salary by 30, 3× by 40, 6× by 50. Wealth Wallet calculates it for you.

📊 Wallet Score

What is the Wallet Score?

A 0–100 score combining savings rate, investment diversification, emergency fund coverage and protection. Above 75 is strong financial health.

How do the four wallets connect?

Income Wallet feeds surplus into Expenses (budgeting), Investment (SIPs & allocation), and Wealth (net worth). The Wallet Score reflects all four.

What is a good diversification score?

A score above 60/100 means you have 3+ active income streams and no single source dominates beyond 60%.

How often should I review my wallets?

Review monthly. Update each wallet as your numbers change. Revisit your Wallet Score every quarter.

The wallet intelligence loop

Three checkpoints that define your wallet

The Decision Engine reads your income, expenses, investments and protection. The Wallet Score measures them across six weighted components. The Investor Style shows the shape to aim for. Every other section builds on those three checkpoints.

🧠 Open Decision Engine 📊 Live Dashboard 🖨️ Download PDF

Free · Browser: zero data · App on Base44: strict controls