Built for how India earns

Money clarity for working India.

A two-minute monthly check-in turns income and spending into a wellness score, a personal Freedom Number, a tax plan and one clear next step.

Which one sounds like you?

  • No bank linking, no PAN
  • Employers never see individuals

One planner for the whole month's money.

Ten tools that share the same numbers, so your Safety Net, score, Freedom Number, tax plan and goals always agree with each other.

Two-minute monthly check-in

Income, spending, what you invested and your balances. Nothing linked, nothing pulled from a bank.

  • Balances pre-fill from last month, so most months take two minutes
  • Flags an unusual month (a car, a bonus) so it doesn't distort your trend
  • Check in for each month once it ends, and edit or delete past months any time
October check-in
Income
₹1,45,000
Spending
₹92,400
Invested
₹30,000
Savings rate
36.3%

See every feature in detail

Two views that never mix.

Employees see their own plan. Employers see the team. The line between them is built into the product, not left to a setting.

The employee's view

Their own plan, in full. Only they can see it.

  • Every number they enter
  • Their score, streak and Freedom Number
  • Goals, tax plan, policies and documents
  • Export or delete everything, any time

The employer's view

The team, never a person.

  • Team averages and percentages
  • How many people check in each month
  • Trends over time, month by month
  • A short digest by email each month
  • Names and emails of people invited or asking to join, for managing seats

Never

  • Anyone's income, spending, savings or score
  • Who has or hasn't checked in
  • Any figure for a group smaller than five
  • Documents, goals, tax plans or policies
  • Bank accounts or PAN (we never ask for them)

Two minutes a month.

From invite to a full picture in one sitting, then a quick check-in each month.

  1. 1

    Join from a private invite

    Your employer sends a personal link. Set a password and you're in. No shared codes, no HR forms.

  2. 2

    Check in for last month

    Income, spending, what you invested and your balances. About two minutes, with no bank linking.

  3. 3

    See the whole picture

    Your score, Freedom Number, tax position and one clear next step, the moment you save.

  4. 4

    Come back each month

    A reminder on the 2nd brings you back. Your streak, trends and plan grow with every check-in.

For the people who run the business.

A wellness benefit you can roll out in a day and measure without ever seeing an individual.

Five measures, one view

Check-in rate, average savings rate, Safety Net coverage, health cover and life cover for the whole team, with trends since you started.

Checked in
82%
Avg savings rate
24%
Safety Net
46%
Health cover
71%
Life cover
38%
  • Anonymous by design

    No names, no individual numbers, and nothing at all for any group under five people. Built in, not a setting.

  • Private invites and seats

    Send personal invite links in bulk, see who has joined, renew or revoke invites, and stay within your seats automatically.

  • A monthly digest

    The team's figures and one suggested next step reach every admin and your contact email on the 3rd of each month. Preview it any time, or send it to yourself.

  • One clear next step

    The dashboard picks the weakest measure and suggests a practical, low-effort action for HR or leadership.

  • Your code and your logo

    People already on an individual plan can ask to join with your company code, and you approve each request within your seats. Your logo appears in everyone's app.

  • Audit trail

    Every invite, removal and setting change is recorded with who did it and when.

How it works for employers

Simple pricing.

Per employee for organisations, or a single individual plan.

Individual plan

Diwali offerOffer ends 1 January at 1:12 am IST

₹199 ₹169a month, plus GST

Or ₹1,990 ₹1,690 a year: two months free.

  • Monthly check-in, wellness score and streak
  • Freedom Number and timeline
  • Can I afford this?, goals and protection planner
  • Tax planner for both regimes
  • Private document vault and the members-only Learn library
Start an individual plan

Questions people ask first.

What exactly can my employer see?

Only team-level figures: the share of people who checked in, the average savings rate, and the share with a Safety Net, health cover and life cover, plus trends. Nothing is ever shown for a group smaller than five. Your employer can see that you were invited and joined (your name and email, for managing seats), but never your numbers, score, goals, tax plan, policies or documents.

What is the Freedom Number?

An estimate of the savings and investments that could cover your real living costs without employment income: a year of your usual spending (from your last six normal months) divided by 4%, a commonly used yearly withdrawal rate. It's shown at today's prices and reviewed every six months, so one unusual month can't swing it. It's a direction, not a deadline, and not a guarantee.

Do you connect to my bank or ask for my PAN?

No. You enter your own numbers once a month. There is no bank linking, no account aggregator and no PAN.

What does it cost?

For organisations, ₹119 per employee per month billed yearly, or ₹149 billed quarterly, from 10 seats. For individuals, ₹199 per month. All plus GST. Diwali offer: ₹169 a month for an individual plan instead of ₹199, until 1 January at 1:12 am IST.

All questions

Give your team a clear view of their money.

Set up takes a day. Your people get a private planner; you get an anonymous view of how the team is doing.