FREE TOOLS
Eight calculators, no sign-up
Built for Indian households - rupee formatting, lakhs and crores, EPF and SIPs and chit funds where they belong. Every one does its maths in your browser: none of your figures are saved or sent to us, and none of them ask who you are.
Where did my salary go?
Your take-home against eight categories, with each one's share of the month. Ends with a savings rate and the biggest single claim on your salary.
Split a month →
Net worth calculator
Six asset types and five kinds of debt, sized for Indian households. Shows the liquidity split: reachable this week, in days, and not really.
Add it up →
SIP calculator
What a monthly SIP grows to, with a step-up option, split into your money and the return. Shows the same SIP at a modest and an optimistic rate.
Project a SIP →
What does a goal cost a month?
Name an amount and a deadline to get the monthly figure, including what already having something saved does to it. Presets for the usual goals.
Price a goal →
Emergency fund calculator
Your real monthly survival cost, how many months your reachable savings cover, and what filling the gap costs over six, twelve or twenty-four months.
Check your cover →
Financial health score
Five checks - savings rate, emergency cover, debt load, protection and net worth growth - scored out of 100, with the weights stated openly.
Score yourself →
Salary to savings
Your savings rate, where it sits against the usual bands, and what one, two or three more percentage points build over the years you choose.
Find your rate →
Subscription cost calculator
Every subscription as an annual figure instead of a harmless monthly one. Tick what you would not miss to see what cancelling is worth.
Total them up →
Reading up rather than calculating
GUIDE
How to track expenses automatically in India
The four routes - bank SMS, transaction email, the Account Aggregator framework and manual entry - what each needs and how each breaks.
COMPARISON
Excel vs automatic tracking
Eleven rows side by side, plus four things a spreadsheet will keep doing better than any app.
ANSWERS
Nineteen questions about Vittafy
Gmail access, on-device AI, storage, accuracy, ads, cost and installing it - including what we will not claim yet.
Every one of these asked you to type numbers you had to guess.
Vittafy reads the transaction mail your banks and cards already send and fills them in - on your phone, with no Vittafy account and no server holding your ledger. Free on Android 10 and above.