🎯 Our mission: financial clarity for every Indian
INDwallet was born in 2024 from a simple frustration — personal finance tools were either too generic, too invasive, or too expensive for the average Indian.
So we built something different. A structured four‑wallet system that works the way real Indian financial life works: income that mixes salary and freelance, expenses shaped by EMIs and family goals, investments split across SIPs, FDs, and gold, and wealth that includes everything from your PPF to your parents’ house.
No ads. No data brokers. No VC pressure to monetise your numbers. Just tools that help you think clearly about money.
We’re 100% bootstrapped, made in India, and committed to keeping this free — forever.
🌐 Browser Mode — Start in Seconds
No login. No account. Open any wallet and start immediately. Your numbers stay in your browser and go nowhere else. Perfect for exploring, planning a one‑off decision, or if you simply prefer zero footprint.
Open My Wallets →👤 INDwallet App — For Ongoing Control
Cross‑device sync — pick up where you left off on any phone or laptop. Wallet history, goal tracking, and your account, your data — private by design.
Open INDwallet App →👥 Who we are
INDwallet is built by a small Indian team — engineers, planners, and people who got tired of explaining Indian personal finance using tools designed for someone else’s country.
We’re bootstrapped, independent, and answerable to our users — not investors. That’s why there are no ads, no paywalls, and no nudges to buy financial products.
We built the tool we wished existed. We hope it helps you.
Start wherever feels right — both paths lead to the same place
Use the wallets in your browser for instant, zero‑footprint planning. Or open the INDwallet App for goals, history, and cross‑device access. Either way — free, private, built for India.
Frequently asked questions
privacy
income
expenses
investment
wealth
life stages
wallet score
emergency fund
📘 About INDwallet
What is INDwallet? +
Four interconnected wallets (Income, Expenses, Invest, Wealth) – 100% private. Browser‑first, no tracking. Start with the
Income Wallet.
Who built INDwallet? +
A small, bootstrapped Indian team. No VCs, no ads. Follow us on
LinkedIn for updates.
Is it really free? +
Yes, forever. No signup, no credit card, no hidden limits.
Privacy Policy.
How is it different? +
We model “what if” scenarios – slide any slider and see net worth, Wallet Score, and risk change instantly. Zero data leaves your device.
💰 Income
How much of my salary should I save? +
Start with 20% and increase 1% per quarter. Use our
Savings Sprint Simulator to find your ideal savings rate based on age and city.
What is the 50/30/20 rule for India? +
We recommend
40% needs, 20% wants, 20% investments, 10% emergency, 10% goals. Play with the
Salary Allocator.
How to plan variable income as a freelancer? +
Use the
“average + buffer” method. The Income Wallet helps you allocate high‑earning months to future months. Check the
Income Wallet guide.
🛒 Expenses
Why do most budgets fail? +
They ignore psychology. The Expenses Wallet uses
bucket capping – once empty, you stop spending. No guilt. Try the
Budget Master Simulator.
How to prioritise EMIs and debt? +
Always pay high‑interest debt (credit cards) from the Expenses Wallet before discretionary spending. Use our
EMI Calculator.
What is a good monthly budget for a family? +
It depends on income. The
Family Life Stage page has sample budgets for 1L, 1.5L, 2L salaries.
📈 Invest
What is the ideal asset allocation by age? +
How to start investing with a small salary? +
Equity vs debt – how to decide? +
🏦 Wealth
How much emergency fund do I need in India? +
What is a good net worth by age? +
What is the Wallet Score? +
0‑100 score combining savings, diversification, emergency, risk. Above 75 is strong. See
Wallet Score page.
⏳ LifeStages
Financial planning in your 20s? +
How to balance home loan, child education, retirement in 30s/40s? +
Use the Investment Wallet for growth and LifeStages for goal prioritisation. See
Professional and
Family stages.
Pre‑retirement checklist? +
🔐 Privacy
Is my data safe? +
100% – all data stays in your browser. No servers, no tracking. Read our
Privacy Policy.
Do I need an account? +
No signup, no email – completely free and private. For cross‑device sync and advanced planning,
join base44.