Income Wallet.
Know what you earn.
Not a budgeting app. A financial operating system for India. Track multiple income streams, calculate your diversification score, and get personalised insights to boost your earnings.
Your Income Breakdown
See exactly how your earnings are distributed and which streams drive your growth.
Analysis: Your income is spread across 4 streams. Salary is your largest source at 56%, which is moderately concentrated. Salary contributes the most at ₹2,04,000, while Bonus is your smallest stream at ₹66,000. Your Diversification score is 72. Consider adding passive streams like dividends or rental income to balance your portfolio.
You have a good mix of income sources. Consider adding passive streams for better resilience.
Our Income Story: Meera & Raj
Real‑time earnings snapshot · Pune, IndiaHi, 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.
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.
- Diversify: Aim for 3–5 income streams. You have 4 active.
- Largest source: Salary (56%) – keep below 60% for safety.
- Passive income: ₹0 – aim for 10‑20% of total.
- Diversity score: 72/100 – Moderate.
- Growth rate: Increase total income by 10‑15% yearly. Current total: ₹4,84,000.
- Tax efficiency: Use the Tax Simulator to optimise deductions.
- Emergency buffer: 3‑6 months of expenses – use with Expenses Wallet.
- Review monthly: Adjust sliders as income changes.
- Add streams: Consider freelance, rental, or investments to boost diversity.
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