Income Wallet – Know what you earn
Track every stream, calculate your diversification score, and get personalised insights. All in your browser — no signup, no tracking, completely private.
Table of Contents
Tune your income streams
Your earnings are rarely one number. Salary, side project, rent, dividends — each stream behaves differently and shapes your resilience. Drag the sliders below to model ten common Indian income sources. Every chart and score recalculates live.
- 10 pre-built streams · ₹0 to ₹5L each
- Live recalculation — nothing stored
- Read: How to divide salary in India
You’ve tuned your streams. Ready to see what to fix first? Open the Decision Engine →
Your live income dashboard
A ₹4.8 lakh inflow sounds healthy until you notice 40% comes from one client. The doughnut shows share, the bar shows absolute rupees. Together they answer: how much, how balanced, and where a shock would hurt most.
- Doughnut — percentage share per stream
- Bar — absolute rupees, ranked
- Cross-check with your Wallet Score
Analysis: Your income is spread across 4 streams. Salary is your largest at 56%, which is moderately concentrated. Salary leads at ₹2,04,000, while Bonus is smallest at ₹66,000. Diversification score: 72. Consider adding passive streams.
Want a snapshot for your records or CA? Download the PDF →
Five rules-based insights
Charts show the picture. Insights explain what to do. Five rules run silently behind your sliders — concentration, stream count, passive share, smallest-stream opportunity, diversity grade. Each carries a status so you can scan in ten seconds and know where to focus.
- Concentration — top source below 60%?
- Streams — at least three active?
- Passive — 10–20% of total?
Income diversity score
From 0 to 100, blending two factors: how many streams are active, and how dominant the largest one is. Zero streams scores zero. Five streams with none above 40% pushes into the high 80s. Above 60 is healthy. Below 40 is urgent.
- 0–100, higher is more resilient
- Above 80 — highly diversified
- Feeds the overall Wallet Score
You have a good mix of income sources. Consider adding passive streams for better resilience.
Our income 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 Income Wallet monthly
- Read: Plan your monthly salary
Meera & Raj · Pune, India
Real‑time earnings snapshotHi, we’re Meera (34, graphic designer) and Raj (37, software engineer). We use the sliders to understand our earning mix and build a more resilient future.
Right now our monthly income is — across — streams. Top source: — contributing —. Diversity is — — —. Track expenses in the Expenses Wallet and investments in the Investment Wallet.
Income 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 concentration lights up, too few streams nudges you.
- 3–5 streams, top below 60%
- Passive income 10–20% of total
- Tax check via Tax Simulator
- Diversify: Aim for 3–5 streams. You have 4 active.
- Largest source: Salary (56%) — keep below 60%.
- Passive income: ₹0 — aim for 10‑20% of total.
- Diversity score: 72/100 — Moderate.
- Growth rate: Increase total by 10‑15% yearly. Current: ₹4,84,000.
- Tax efficiency: Use the Tax Simulator.
- Emergency buffer: 3‑6 months via Expenses Wallet.
- Review monthly: Adjust sliders as income changes.
You’ve read the playbook. Ready to turn these rules into one action? Open the Decision Engine →
Salary & 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
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 → InvestmentAsset Allocation by Age
The right equity-debt-gold mix at every stage.
Read → WalletsWhat is a Financial Wallet System?
The core framework behind INDwallet.
Read → WealthNet Worth Calculator India
Assets minus liabilities, explained.
Read → EmergencyBuild 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.
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 →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.
Frequently asked questions
How many income streams should I have?
What’s a good monthly income target?
How do I track irregular freelance income?
How is freelance income taxed in India?
Can I claim deductions on my salary?
What is a good diversification score?
Active vs passive income?
How often should I review?
What is the Wallet Score?
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.
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