Money Management & Tracker
Smart Financial Dashboard
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🔔 Notifications
0
🏠 Dashboard
Total Income
₹0
0 transactions
💰
Total Expense
₹0
0 transactions
💵
Net Balance
₹0
All good!
📊
📋 Recent Transactions
⚡ Quick Actions
➕ Add New Income Entry
Track your earnings & revenue sources
Enter total amount before deductions
Tax deducted at source
Which account received this income?
For tracking and verification
0/250
Add tags for easy filtering
For tax planning and annual reporting
Law of Attraction & Gratitude
Express gratitude to attract more abundance. All fields required.
Feel genuine gratitude as you write
Conscious intention amplifies abundance
Words you repeat shape your reality
Acknowledge the universe + people who supported you
🧠 Smart Features
🧮 Income Calculator
Net Amount:
₹0
📈 Recent Income Summary
Last 7 days:
₹0
This month:
₹0
Average:
₹0
⚡ Quick Templates
💡 Pro Tips for Income Tracking
- Always keep invoice/receipt copies for tax purposes
- Use tags to categorize income for better analytics
- Mark recurring income for automatic tracking
- Add client details for better relationship management
- Regular income tracking helps in financial planning
- Keep reference numbers for payment verification
- Update tax deductions accurately for correct net amount
- Review monthly income patterns in Charts section
➖ Add New Expense Entry
Track your spending & manage your budget
Enter total amount spent
Any discount or cashback
Set monthly spending limit for this category
0/250
Law of Attraction & Gratitude
Spending consciously with gratitude creates abundance. All fields required.
Gratitude opens the flow of abundance
Focus on the value, not the cost
Replace lack mindset with abundance
Bless the money you release into the world
🧠 Smart Features
🧮 Expense Calculator
Total with GST:
₹0
📊 Category Budget Tracker
📈 Recent Expenses
Today:
₹0
This week:
₹0
This month:
₹0
vs Last month:
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⚡ Quick Templates
💡 Pro Tips for Expense Tracking
- Always keep receipts for warranty and returns
- Use priority levels to identify unnecessary expenses
- Track recurring expenses to find savings
- Set budget limits for each category
- Mark reimbursable expenses for easy tracking
- Use tags for quick filtering
- Split expenses help in group settlements
- Review top spending categories monthly
- Utilize tax-deductible tracking for IT filing
- Attach bills for better record-keeping
📋 All Transactions
0 records
📈 Charts & Analytics
SAVINGS RATE
0%
All time
AVG MONTHLY SPEND
₹0
vs prev: -
AVG MONTHLY INCOME
₹0
Stability: -
BURN RATE / DAY
₹0
Daily expense avg
📅 Analytics Period
Last 6 months🍳 Income vs Expense
All TimeBALANCE
₹0
📊 Income vs Expense Trend
Last 6 months💸 Net Cashflow per Month
Last 6 months Surplus (saved)
Deficit (overspent)
🏵 Top 5 Spending Categories
All Time🏷 Full Category Breakdown
💲 Income Sources Breakdown
📅 Spending by Day of Week
When do you spend the most?💳 Payment Mode Analysis
💡 Smart Insights
📅 Monthly Summary
Loading...
NET BALANCE THIS MONTH
₹0
vs prev: -
INCOME
₹0
- vs prev month
EXPENSE
₹0
- vs prev month
SAVINGS RATE
0%
Goal: 20%+
DAILY AVG
₹0
Expense per day
📊 Advanced Statistics
Total Transactions
0
0 income / 0 expense
Avg Transaction Size
₹0
Across all transactions
Largest Income
₹0
-
Largest Expense
₹0
-
Most Active Day
-
0 transactions
Highest Spend Day
-
₹0
📅 Daily Spending Heatmap
Color = spending intensitySun
Mon
Tue
Wed
Thu
Fri
Sat
LessMore
🍳 Income vs Expense Visual
This Month💲 Income₹0
💵 Expense₹0
📊 Net Saved₹0
🏵 Top Spending Categories
This month💲 Income Sources
This month🎯 Budget Status
0 budgets📉 Month-over-Month Comparison
💡 Monthly Insights
📥 Export & Share
📋 All Transactions
0 entries⚙ Settings & Storage
💾 IndexedDB Storage Status
Checking...
0
Total Records
0 KB
Storage Used
--
Available Quota
Storage Usage
0%
Storage Type: IndexedDB (Modern async)
Database Name: --
Database Version: v--
Object Stores: --
Limit: 50MB to 2GB+ (browser/device dependent)
Persistence: Permanent (until cleared)
Performance: Asynchronous (non-blocking)
Capabilities: Stores objects, blobs, files directly
Last Sync: --
📥 Import & Export
Export Data
Download all transactions as JSON
Import Data
Upload and restore from JSON
⚠ Danger Zone
These actions are irreversible. Please proceed with caution.
💡 Hard Reset deletes the entire IndexedDB at the browser level. Use this if you see errors like "version (X) is less than existing version (Y)" - usually happens when an older tool version is loaded after a newer one.
🔔 Notifications
⚙ Notification Preferences
📅 Daily Expense Reminder
Get daily reminder to log expenses
Reminder time:
⚠ Overspending Alert
Alert when spending exceeds budget threshold
Threshold:
% of average
💰 Savings Reminder
Remind to save regularly
Frequency:
🔄 EMI Reminder
Remind before EMI due date
Days before:
days
🔴 Low Balance Alert
Alert when balance falls below threshold
Threshold: ₹
🔔 All Notifications
📅 Calendar View
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Income
Expense
Both
Today
🏷 Manage Categories
➕ Add Income Category
📋 Existing Income Categories
📊 Budget Planner
📅 Budget Month
Total Budgeted
₹0
Total Spent
₹0
Remaining
₹0
➕ Set Category Budget
💡 Tip: Setting a limit for a category will track your monthly spending against it. You will get alerts when crossing 80% and 100%.
📊 Active Budgets
0 budgets
💡 Budgeting Tips
- Follow the 50/30/20 rule: 50% needs, 30% wants, 20% savings
- Track every expense category you spend on regularly
- Review budget weekly - dont wait till month-end
- If you overspend in one category, adjust another
- Use "Reset This Month" to start fresh each month
- Categories without budgets are unlimited - set limits on top spenders
🔔 Subscriptions
Monthly Cost
₹0
0 active
Yearly Cost
₹0
Projected annual
Due Soon
₹0
In next 7 days
➕ Add New Subscription
📋 Your Subscriptions
0 items
💡 Subscription Tips
- Review all subscriptions every 3-6 months - cancel unused ones
- Annual plans usually save 15-20% over monthly billing
- Use shared/family plans where possible to split costs
- Set reminders 3 days before billing to review value
- Check free trials - cancel before they auto-charge
- Watch for price hikes - renegotiate or switch providers
- Use "Mark Paid" to auto-create an expense entry for tracking
💳 Credit Card Management
Total Credit Limit
₹0
0 active cards
Total Outstanding
₹0
0% utilized
Available Credit
₹0
Across all cards
➕ Add New Credit Card
Day of month statement is generated
Typical: 3-4% per month
📋 Your Credit Cards
0 cards
💡 Credit Card Tips
- Keep utilization below 30% for healthy credit score
- Always pay full statement balance to avoid interest charges
- Never just pay the minimum due - interest accumulates fast (3-4%/month)
- Set reminders 3-5 days before due date to avoid late fees
- Track multiple cards together for total utilization control
- Review statement every month for unrecognized transactions
- Use cards with rewards for categories you already spend in
- Block lost/compromised cards via "Mark as Blocked" feature
🏦 Loan Management & Tracker
Outstanding
₹0
0 active loans
Monthly EMI
₹0
Combined every month
Total Paid
₹0
₹0 interest
Interest Pending
₹0
Remaining over tenure
➕ Add New Loan
Total number of EMI months
Next payment due
If loan is partway through
Leave blank to auto-calculate
📋 Your Loans
0 loans
💡 Loan Management Tips
- Never miss an EMI - late fees + credit score damage compound
- Use prepayments to reduce interest burden - even small amounts help
- Track interest vs principal ratio - early EMIs are 70%+ interest
- Refinance to lower rate if savings exceed processing fees
- Don't take new loans if EMI total exceeds 40% of income
- Keep 6 months of EMIs as emergency fund
- Use "Mark Paid" to auto-log EMI as expense + reduce outstanding
- Review amortization schedule before prepaying for max impact
📈 Investment Management & Tracker
Total Invested
₹0
0 active investments
Current Value
₹0
Latest valuation
Total Returns
₹0
0% absolute
Monthly SIP
₹0
0 active SIPs
🎨 Portfolio Allocation
By Investment Type
➕ Add New Investment
For MFs/Stocks/ETF/Gold-grams
Update manually to track gain/loss
For FDs, bonds, insurance, SSY
For FDs: locked rate. For MFs: expected
📋 Your Investments
0 investments
💡 Investment Wisdom
- Start early - compound interest is the 8th wonder of the world
- Diversify across asset classes - never put all eggs in one basket
- SIP eliminates timing risk - invest regularly, regardless of market
- Stay invested long-term - time IN market beats timing the market
- Review portfolio quarterly - rebalance if allocation drifts
- Use ELSS for 80C tax deduction + equity returns combo
- For emergencies, keep liquid funds equal to 6 months expenses
- Don't panic-sell during market crashes - they recover historically
- Track XIRR for accurate returns when there are multiple cash flows
- Use Sukanya Samriddhi for daughters education (high tax-free return)
⚖ Goal-Based Auto Allocation
🎯 Smart Income Distribution
Auto-divide every income into 4 financial buckets using the proven 40-30-20-10 rule.
40%
Expenses
30%
Savings
20%
Investment
10%
Emergency
⚙ Configure Allocation Rules
Expenses
%
Daily needs, bills, food, transport
Savings
%
Goals, dreams, future plans
Investment
%
SIPs, stocks, mutual funds, FD
Emergency
%
Medical, urgent, unforeseen
Total Distribution
100%
✓ Perfect 100%
When enabled, every income added gets automatically split into these buckets.
🧮 Quick Allocate Calculator
Bonus, freelance income, gift, anything!
📊 This Month at a Glance
Total Income
₹0
Allocated
₹0
Unallocated
₹0
📋 Allocation History
0 records
💡 Money Distribution Wisdom
- 40-30-20-10 Rule: Balanced split for working professionals - covers needs, dreams, growth & safety
- 50-30-20 Rule: Simpler version - 50% needs, 30% wants, 20% savings + investment (combine last two)
- Pay yourself first: Allocate to savings/investment BEFORE expenses, not what's left
- Emergency fund: Build 6-12 months of expenses before increasing investment %
- Auto-debit: Set up automatic transfers on salary day - removes temptation
- Income increase: Save the entire raise/bonus, don't inflate lifestyle
- Review quarterly: Adjust percentages as life changes (marriage, kids, home)
- High earners: Shift more to investment (30-40%) once expenses are stable
- Debt reduction: If you have loans, replace "Investment %" with "Loan Prepayment %" temporarily
- Track religiously: Allocation without tracking is just intent - measure monthly variance
📊 Net Worth Tracker
YOUR NET WORTH
₹0
▲
₹0
(0%)
vs last month
Assets ₹0
−
Liabilities ₹0
📈 Monthly Net Worth Growth
Last 12 months
Assets
Liabilities
Net Worth Line
12M Growth
+0%
Avg / Month
₹0
Best Month
-
Snapshots
0
💰 Assets
₹0
💳 Liabilities
₹0
➕ Add Asset
➕ Add Liability
📋 All Assets
0 entries
📋 All Liabilities
0 entries
🧠 Auto-Tracked Sources
Net Worth automatically includes these from other modules (you don't need to enter manually):
Investments
₹0
Active Loans
₹0
Credit Cards
₹0
📷 Snapshot History
0 snapshots
💡 Net Worth Wisdom
- Net Worth = Assets − Liabilities - the truest measure of wealth
- Take a snapshot on the same day each month for accurate tracking
- Target 10-20% net worth growth per year through saving + investing
- If liabilities exceed assets, you have NEGATIVE net worth - prioritize debt clearance
- Don't include depreciating assets (cars, electronics) at original price - use realistic resale value
- For real estate, use current market value, not purchase price
- Include EPF/PPF balances - they are part of your wealth
- Self-occupied home is an asset but doesn't generate income - balance with liquid assets
- Aim for assets to grow faster than liabilities each month
- Net worth growth slows in years 1-3, then compounds rapidly after year 5-7
🔥 FIRE Tracker - Financial Independence
🔥🔥🔥
YOUR FIRE PROGRESS
0%
₹0
of
₹0
🔥 Choose Your FIRE Type
Select strategy that fits your lifestyle
Lean FIRE
20x
Minimalist lifestyle, retire with bare essentials
₹0
Coast FIRE
15x
Stop investing now, let compounding finish job
₹0
Regular FIRE
25x
Standard 4% rule, comfortable retirement
₹0
Fat FIRE
33x
Luxury lifestyle, premium retirement
₹0
⚙ Your FIRE Plan
When you want to be financially free
Total monthly spending (food, rent, bills, etc.)
India: 5-7% historical avg
Equity-heavy: 10-15%
Conservative: 7-9%
SIP + Stocks + FD + EPF total
Yearly increase in SIP amount
% of corpus you withdraw per year
🧮 FIRE Math Breakdown
Today's Annual Expenses
₹0
Monthly × 12
Future Annual Expenses
₹0
At retirement (inflation-adj)
Required Corpus
₹0
25x annual expenses
Projected at Target Age
₹0
Sufficient/Shortfall
Gap Analysis
📈 Year-by-Year Projection
Years to FIRE
Projected Corpus
Target Required
FIRE Zone
🏁 FIRE Milestones
🏦 Retirement Withdrawal Estimate
Monthly Withdrawal (Year 1)
₹0
Years Corpus Will Last
0 yrs
Final Net Worth (at life-end)
₹0
🔥 FIRE Wisdom
- 4% Rule (Trinity Study): Withdrawing 4% of corpus annually has 95%+ success rate over 30 years
- 25x Rule: Corpus needed = Annual expenses x 25 (which equals 4% withdrawal)
- Lean FIRE = 20x, Regular = 25x, Fat FIRE = 33x annual expenses
- Coast FIRE: Stop adding new money, existing corpus grows to your target via compounding alone
- Barista FIRE: Part-time job covers some expenses, corpus covers the rest
- Inflation matters: Rs.50k expenses today = Rs.1.6L in 20 years at 6% inflation
- Save 50%+ of income for FIRE in 17 years; 30% takes 28 years; 20% takes 37 years
- Power of step-up: Increasing SIP by 10% annually doubles your corpus over 25 years
- Equity for long-term: 10+ years, equity outperforms; below 5 years, use debt instruments
- Healthcare buffer: Add 20-30% extra corpus for medical inflation (which beats general inflation)
🛡 Insurance Management & Tracker
🛡
YOUR PROTECTION SCORE
0%
📊 Coverage by Type
📋 Your Policies
0
➕ Add New Insurance Policy
Total coverage in Rs.
Auto-fills Maturity/Expiry below
How many years to pay premium
👨 Human Life Value (HLV) Calculator
Estimates how much life insurance you need to financially protect your family if something happens to you.
Risk-free return rate
🎂 Age Calculator
Calculate your exact age in years, months, days, hours. Useful for insurance, retirement & FIRE planning.
Default: Today
📉 Premium-to-Income Ratio Calculator
Are you over-insured or under-insured? Healthy range: 5-10% of annual income.
Leave blank to auto-pull from your policies
⚠ Coverage Gap Calculator
Find shortfall in your life insurance based on rule-of-thumb: 10-15x annual income.
Auto-fills from active Life policies
🧡 Health Insurance Adequacy
How much health cover do you really need? Based on age, city tier, family size.
⚖ BMI Calculator (for Health Insurance)
BMI affects health insurance premium. Healthy BMI = lower premium.
🚗 Vehicle IDV Calculator
Insured Declared Value - the maximum amount you can claim. Decreases each year due to depreciation.
🏦 Loan Protection Insurance Calculator
Estimate term insurance needed to protect family from loan burden if you can't repay.
➕ Record New Claim
📋 Claims History
0 claims
💡 Insurance Wisdom
- Term Insurance: Cheapest pure life cover. Get 12-15x annual income before turning 35
- Health first, life second: Health emergencies happen more often than death; prioritize health cover
- Family Floater: Single policy covers entire family - cost-effective for young families
- Top-up health policies: Cheaper than base policy. Add a Rs.20L top-up over Rs.5L base for budget protection
- Avoid ULIPs/Endowment: Mix of insurance + investment is suboptimal for both purposes
- Buy young, buy term: Premium locks at younger age and stays cheap for 30+ years
- Disclose pre-existing diseases: Hiding leads to claim rejection - always disclose truthfully
- No claim bonus (NCB): Health insurance offers 10-50% cover increase yearly if no claims made
- Premium frequency: Yearly is cheapest. Monthly costs 5-10% more due to admin fees
- Riders worth adding: Critical Illness Rider, Accidental Death Benefit, Waiver of Premium
- Section 80C/80D: Life insurance premium (80C up to Rs.1.5L), Health insurance (80D up to Rs.1L)
- Renew on time: Lapsed health policies lose waiting period waivers + no-claim bonus accumulated
🎮 Money Game & Achievements
1
LEVEL
Money Beginner
Keep going to level up!
XP Progress
0 / 100 XP
0
Day Streak
0
Best Streak
0
Badges
0
Actions
🎯 Active Challenges
🏅 Achievement Badges
0 / 0
📋 Recent XP Earned
0 events
💡 How to Earn XP
Add income or expense
+5 XP
Add an investment
+30 XP
SIP installment
+20 XP
Loan payment / prepayment
+25 XP
Create budget
+20 XP
Capture net worth snapshot
+50 XP
Complete LoA gratitude (per entry)
+10 XP bonus
Daily streak bonus
+5 XP/day
Complete a challenge
+100-500 XP
Achievement Unlocked!
First Step
+50 XP ⭐
