Track · Diversify · Grow

Income Wallet.
Know what you earn.

Not a budgeting app. A financial operating system for India.

Adjust sliders for each income source, add custom streams — see total earnings, diversification score, and breakdown update instantly. No login, completely private.

📊 Track my income 🧾 Expenses Wallet →
✔ 100% Free ✔ No Data Stored ✔ India-First ⚡ Takes under 30 seconds 🔒 Data stays in your browser
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💰 Total Income
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🔄 Active Streams
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🥇 Top Source
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🎯 Diversity
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Income DiversityYour earning health
72/100 Moderately Diversified

You have a good mix of income sources. Consider adding passive streams for better resilience.

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Income SourcesAdd, remove, slide to adjust
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Income Distribution
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Monthly Breakdown
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Our Income Story: Meera & Raj

Real‑time earnings snapshot · Pune, India
Live

Hi, we’re Meera (34, graphic designer) and Raj (37, software engineer). We’re tracking our household income to understand our earning mix and build a more resilient financial future.

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Total Income
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Active Streams
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Diversity Score

Right now, our total monthly income is — across — active streams. Our top source is — contributing —. Our diversity score is —, which is —.

We use the sliders to simulate adding new streams — for example, starting a side business or investing in rental property. The tool helps us visualise how diversification reduces reliance on a single income source. We also track our expenses in the Expenses Wallet and our investments in the Investment Wallet.

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    Frequently asked questions

    income streamsfreelance taxpassive incomesalary deductionsdiversification
    💰 Income Basics
    Financial experts suggest aiming for 3–5 distinct income sources. This reduces dependency on any single stream. Use this Income Wallet to track your current streams – the diversity score updates in real time.
    It depends on your lifestyle and goals. A common benchmark is to aim for 2–3× your essential expenses. Use the Expenses Wallet to calculate your baseline.
    Add a “Freelance” slider in this Income Wallet and update it monthly. For variable income, consider using the Savings Sprint Simulator.
    📊 Tax & Planning
    Freelance income is taxed as business income under “Profits and Gains”. Use the Old vs New Tax Simulator to compare regimes.
    Yes, under Section 80C, 80D, HRA, and more. The Tax Simulator helps you estimate your taxable income.
    Rental income is added to your total income and taxed as per slab. You can claim 30% standard deduction plus municipal taxes.
    📈 Diversification & Growth
    A score above 60/100 is considered healthy, meaning you have 3+ active streams and no single source dominates beyond 60%. Check your score in the Income Wallet above.
    Active income requires your time (salary, freelance). Passive income comes from investments, rent, or businesses where you’re not directly involved. The Investment Wallet can help you build passive streams.
    Aim for at least 20% of your gross income. Use the Savings Sprint Simulator to find your optimal savings rate.
    Review monthly. Adjust sliders as your income changes. Revisit your diversification score every quarter. Combine with the Wealth Wallet for net worth tracking.

    Income is just the start.
    Track it. Grow it. Own it.

    Use the Expenses Wallet to control outflows, the Investment Wallet to build wealth, and the Wealth Wallet to track net worth. One system. Every layer.

    🧾 Open Expenses Wallet 📈 Investment Wallet →
    ✔ No signup required • Works instantly ✔ Takes under 30 seconds 🔒 Data never leaves your browser

    🧭 Explore the INDwallet Ecosystem

    Build your complete financial life with four connected wallets.

    💰IncomeTrack streamsCash Flow 🧾ExpensesOptimise spendBudgeting 📈InvestmentSIP & allocationAsset Allocation 🏦WealthNet worth & FINet Worth
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