4-Wallet Financial Intelligence Dashboard
Move sliders. See your Wallet Score update instantly. No login, no stored data.
Analysis
Your wallet score, the six-component split, smart insights and every chart behind them.
Your wallet score
Where your net worth sits
What your wallet score means
Score breakdown
| Component | Weight | Score | Status | Action |
|---|
What the numbers say
Points to note
Wallet trends
Wallet Growth Overlay
How much of your net worth growth each wallet drives. Returns assumed, not historical.
Income sources
Where your monthly income comes from.
Expense distribution
Each category's share of your monthly outgoings.
Investment allocation
What your investment wallet is made of.
Asset distribution
What your net worth is actually made of.
Portfolio vs benchmarks
Your corpus plus monthly SIP against illustrative benchmark assumptions. Returns are assumed, not historical.
Note: Each series applies a constant assumed annual return — portfolio 12%, Nifty 50 11%, gold 10%, FD 6.5%, inflation 6%. These are illustrative assumptions for comparison, not historical averages or guaranteed outcomes.
Compounded corpus
What your current contributions become at each instrument's assumed return.
Net Worth Projection
10-year projection using the same single projection used everywhere on this page.
- Investment wallet assumed at 12% annual, wealth wallet (cash) at 6.5%.
- Current surplus applied as monthly SIP (60% of surplus) into the investment wallet.
- Assumed, not historical. Illustrative projection only — not a guarantee or a forecast.
Last updated:
Score your money in one view. Move any slider — the engine recalculates six weighted scores, your overall Wallet Score, Persona and best-fit Investor Style in real time.
Private by design. Nothing you type is sent to INDwallet servers. Your financial data stays in your browser.
Your Inputs
Calculating…
Move a slider to begin
Top Insights
See what your score actually means.
The Analysis tab unlocks the score breakdown, wallet trends, charts and insights.
How the dashboard works
Set your profile
Employment, location, age, retirement age, dependents. The engine preselects sensible defaults—change any slider to override.
Move the 20 sliders
Income, Expenses, Assets, Protection. Every move recalculates the six component scores live.
Follow the tabs
Analysis → Persona → Tracker → Goals → Life Stages → Styles → Tools → Learn → Read → PDF.
5 Insights From Your Persona
Track your monthly expenses. This tracker reads the same sliders from the Decision Engine — so any change here updates your wallet score in real time.
- Adjust any expense category to see your savings rate move
- Compare actual vs. recommended Indian household benchmarks
- Every edit feeds back into the Analysis, Persona and Goals tabs
Expense breakdown
Monthly spend by category.
Actual vs target
Each category's actual % of income against the recommended split.
Adjust your expense categories
Your top financial goals. Ranked by priority order — each goal is funded from the remaining surplus after higher-priority goals. So you can see exactly which ones your current surplus can carry.
- Priority order: emergency → term → health → medical → retirement → education → home → car → marriage → vacation → business → legacy
- Each goal gets its share of 60% of monthly surplus
- Projected amount assumes a 10% annual return
How to plan your goals
Your current life stage. Every stage has different priorities — what to save, what to protect, what to build. This page reads your age, dependents and wallet data to tell you what to focus on now.
- Current stage guidance tailored to your age
- Priority life events ranked for your situation
- Specific actions to prepare for the next stage
Priority life events
Six investor archetypes. Each style has specific target allocations across the four wallets. Your wallet distribution is scored against each — and matched to the closest shape.
- Read the description to see what each style builds
- Bullets tell you the habits that make the style work
- Deeper reading linked for every style
5 Insights From Your Style Match
Calculators answer the "how much?" question. Each runs in your browser with zero stored data. Recommended tools — highlighted with a gold border — are picked based on your weakest wallet.
- EMI Calculator — plan any loan outflow
- SIP vs Lumpsum — the entry-timing question
- Emergency Fund — how much buffer you need
- Tax Regime — old vs new, per rupee
Calculators
Recommended Reading for Tools
Simulators solve a mindset, not a number. Playful, rule-based mini-games that let you break one financial concept and learn from it. Each takes under 5 minutes.
- Budget Master — test if your 50/30/20 actually works
- Investment Quest — SIP vs lumpsum across cycles
- Insurance Pro — cover term, health & CI correctly
- Savings Sprint — how fast can you reach your buffer
Simulators
Recommended Reading for Learn
Curated For You — 10 Articles
Your Full Report
Generate a professional report covering your profile, wallet score breakdown, all insights, persona, investor style match, life stage analysis, goals, and top recommended reading.