Goals, loans, and a score for the whole picture.
Logging expenses tells you where money went. These four features tell you whether you're actually getting anywhere — without you having to build a spreadsheet to find out.
Savings goals that show real progress
Name a goal — a Goa trip, a MacBook, a renovation fund — set a target, and log contributions as you go. Goals can be individual or shared between partners, with a progress bar and a portfolio-mix view once you're running more than one at a time.
🛡️ Emergency Fund — a target that moves with you
Every household gets this goal automatically, and it can't be deleted. The target isn't a number you set once — it's your typical monthly expenses (a median over the last year, so one expensive month like a wedding doesn't wrongly inflate it) × however many months of coverage you want (3 to 12, 6 by default). As spending habits change, the target recalculates on its own.
A loan tracker built for Indian lending
Track any loan — Home, Loan Against Property, Car, Two-Wheeler, Personal, Education, Gold, Business, Consumer Durable/Credit Card EMI, Loan Against Mutual Funds, or Other — with the lender's account number and whether the rate is fixed or floating. Once a loan has a start date, the app computes its own progress instead of waiting for you to retype an outstanding balance by hand:
- A live "on track / ahead / behind" standing against the loan's own schedule
- A projected debt-free date, plus one across every loan in the household
- Interest paid so far vs. interest still to come, and a balance-over-time chart
- A check against your own transactions for whether this month's EMI actually went through — no more finding out three months late that a payment was missed
Made a lump-sum part-payment? Log it with any foreclosure charge the lender levied — the loan pays off in fewer months at the same EMI, exactly like an Indian lender's own default behaviour, and every schedule figure updates to match.
📈 Financial Health Score — one number, five factors, zero guesswork
A 0–100 score with a letter grade, deterministically calculated from savings rate, debt-to-income ratio, emergency fund runway, budget adherence, and goal progress — never AI-generated, so it's always explainable. An interactive simulator lets you drag sliders (trim spending, grow your buffer, reduce EMIs) and watch the score respond live, then calls out your single biggest win and the smallest change that would bump you a grade.
Once you've found a buffer top-up that works, one tap adds it to your real Emergency Fund — the what-if becomes money actually saved.
