Tap ▶ Play My Story to begin your financial journey.
🔒 100% Local · Zero Data Sent · Math Verified
Tell us about your money
Answer a few questions and we'll map out your full financial picture — FI date, debt strategy, and what to do this month.
🔴 Complete These Required Fields
👋 Who are you?
Just your name and age — nothing else needed here
✨ We've pre-filled typical Indian expenses for your age group — adjust to match your actual life.
💰 What hits your bank account every month? *
Every rupee in — salary, freelance, rent, dividends
+ More income sources
🛒 Where does the money go?
Drag to set — rough numbers are totally fine
Quick fill:
🛡️ Are you protected?
Insurance is the first wealth rule — one hospital bill can erase years of savings
Health Insurance
Term Life Insurance
🏦 What do you already have?
Bank accounts, mutual funds, FDs, EPF, stocks, gold — all of it
₹0
Asset Type
Description / Platform
Current Value (₹)
Annual Return
💡 Include FDs, mutual funds, EPF, stocks, gold, real estate, P2P, crypto — everything counts towards your net worth.
💳 Any loans or debts?
Home loan, car loan, credit card, personal loan — skip if none
₹0
💡 Include home loans, car loans, credit card balances, personal loans, education loans.
🎯 What are you saving towards?
Car, house, travel, kids' education — we'll tell you if it's achievable
Goal Name
Target (₹)
Years Away
💡 e.g. New Car (₹10L, 3 yrs), Europe Trip (₹3L, 1 yr), Home Down Payment (₹30L, 7 yrs)
📊 How do you feel about risk?
This tunes the investment mix we recommend — no wrong answer
⚖️
Moderate Investor
You can handle some ups and downs. Good for balanced mutual funds and index investing.
Financial Independence Progress
0%
💰
Simulated Daily Appreciation
Generate your blueprint to see how much your money earned today.
🛡️ Survival Runway
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Compute your blueprint to unlock your safety score.
Wealth Logic Gauge
0%
to FI
Your money works 0 hrs/day for you right now.
PROJECTED FINANCIAL INDEPENDENCE
Planning estimate only
Analyzing...
Your Head Start (Corpus)
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FI Target (25× expenses)
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Still to Build
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Real Target (inflation-adj)
—
🌡️ Inflation Rate
% p.a. (Indian CPI avg 6%)
₹50,000 / month
Adjust the slider to see how compounding accelerates your freedom date.
TOTAL AGGREGATED CAPITAL
₹0
24-Month Trajectory
Strategic Target Tracking
0%
🛡️💔
Insurance Shield: Broken
You don't have complete insurance. Your family is at risk. Fix this before investing.
The Wealth Ladder
Asset Valuation
Outstanding Debt
Net Worth
Goal Feasibility Orbit
Assumes 12% equity, 7% debt
Where Your Money Goes Every Month
Your 24-month roadmap — see exactly where each rupee is invested
| Month | Free Cash | Loan Repayment | Savings (Liquid) | Emergency FD | Large Cap & Index Funds | Mid & Small Cap Funds | Bonds & Debt Funds | Goal Spend | Total Wealth |
|---|
💡 Large Cap & Index Funds = Safest stock market investment (Nifty 50, Sensex). Mid & Small Cap Funds = Higher growth, more volatility. Bonds & Debt Funds = Stable, low-risk, added when portfolio crosses ₹5L.
Talk to Your Money Guide
I know your exact income, savings, loans, and goals. Ask me anything — I'll give you honest, personalised answers like a knowledgeable friend would. No jargon. No judgment.
⚠️
Aarth Sutra is not a SEBI-registered advisor. This AI provides general financial education only — not investment advice. Always think independently before investing.
Connect Your Free AI Key
To activate the AI, you need a free Gemini key from Google. It takes 30 seconds — no payment required. Once added, I can give you advice based on your real numbers.
💬 Quick Questions
What should I fix first?
When can I retire?
Loan vs SIP — which first?
Should I open PPF?
Save more on taxes
I feel stressed about money
Build my wealth plan
Which loan is killing me?
Chat with Your Money Guide
Namaste! 🙏 I'm your Aarth Sutra money guide. Add your AI key above and I'll give you personalised advice based on your exact numbers — ask me about saving, loans, PPF, SIP, tax, or retirement.
Not a SEBI-registered advisor — for education only.
Not a SEBI-registered advisor — for education only.
😤 Rat Race
Chapter 1 · The Rat Race
Age 28 · 2026
The Rat Race Begins
NET WORTH
₹0
MONTHLY SIP
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FI PROGRESS
0%
Institutional Safety Protocol
Antigravity never asks for money. Anyone promising >20% guaranteed monthly returns is running a scam. Report to cybercrime.gov.in immediately.
Portfolio Diversification Score
Generate your blueprint to analyze your portfolio diversification.
The 5-Pillar Investment Framework
🏛️
Govt Bonds & T-Bills
"Safe as a bank, but pays more."
Risk: Zero
RBI Retail Direct
🏢
FD & Corporate Bonds
"Be the lender to big companies."
Risk: Low–Med
Wint Wealth · GoldenPi
📈
Index Funds (Core)
"Own India's entire economy."
Risk: Moderate
Zerodha · Groww · Kuvera
🚀
Momentum ETFs & P2P
"Ride the fastest-moving stocks."
Risk: High
12% Club · Faircent · Groww
🛡️
SGB & Insurance Shield
"Gold that pays you 2.5% rent."
Risk: Medium
Any Bank · Zerodha
Full Investment Encyclopedia
👶
Child Planning Engine
Plan your child's education, marriage, and future — city-tier adjusted costs, government scheme eligibility, and the exact SIP you need every month.
Your City Tier
City tier affects education and marriage costs — Tier 1 is significantly more expensive
How much can you set aside every month specifically for your child?
Your Children
💡 Add each child separately. For a planned/future child, set age to 0.
Your Profile
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Aarth Sutra Member
All data lives on your device only. Nothing is ever sent to us.
Data & Privacy
🔒
100% Local Storage
Your numbers are saved in your browser's localStorage — only accessible on this device.
🚫
Zero Server Contact
No accounts, no cloud sync, no analytics on your financial data. Ever.
Vanish — Erase All My Data
This permanently deletes everything stored on this device — your numbers, name, API key, and saved blueprint. This cannot be undone. The app will restart fresh.
Your data never left this device, so there's nothing for us to delete on our end.