How it works
From every rupee to a clear plan.
Here is what happens to one month of a household’s money: where it came from, where it went, what we notice and what we would advise.
Illustrative example. A made-up household with made-up numbers, not a real client and not a recommendation.
The household
Asha and Ram.
Both work. They have a child in school, a home loan and some savings. Like most families, every decision made sense when they made it. Nobody has looked at it all together.
- Ages34 and 36
- Take-home, together₹2,10,000 a month
- Home loan outstanding₹62 lakh
- Life cover₹40 lakh
- Sitting in savings account₹3.2 lakh
- GoalsChild’s education, a loan-free home, a comfortable retirement
Step 1
Bring everything in.
We start with a month of real money movement: what came in and what went out. Tap a category to follow it through.
- 01 SepSalary, Asha+ ₹1,20,000
- 01 SepSalary, Ram+ ₹90,000
- 01 SepHome loan EMIHome loanHome loan− ₹48,000
- 02 SepSchool feesChildrenChildren− ₹14,000
- 03 SepGroceries, 4 ordersGroceriesGroceries− ₹9,200
- 04 SepElectricity, water, broadbandUtilitiesUtilities− ₹5,800
- 05 SepFuel and commuteTransportTransport− ₹7,500
- 06 SepInsurance premiumInsuranceInsurance− ₹4,200
- 07 SepMonthly investmentInvestingInvesting− ₹20,000
- 08 SepFood delivery, 11 ordersEating outEating out− ₹6,400
- 09 SepStreaming service ASubscriptionsSubscriptions− ₹649
- 09 SepStreaming service BSubscriptionsSubscriptions− ₹299
- 10 SepStreaming service CSubscriptionsSubscriptions− ₹499
- 11 SepGym membershipSubscriptionsSubscriptions− ₹1,500
- 14 SepWeekend trip and shoppingShopping & travelShopping & travel− ₹12,000
You have two options: share your statements with us, or take the easy route and link your accounts securely through the Account Aggregator framework.
Step 2
Where it goes.
Every transaction is sorted, then grouped by what it does for your life. This is where the picture first becomes clear.
Needs
₹84,500
40% of income
The commitments that keep life running.
Lifestyle
₹21,347
10% of income
Choices that make life enjoyable.
Goals & safety
₹24,200
12% of income
Money working towards tomorrow.
Left unassigned
₹79,953
38% of income
Money that arrived this month and has no job yet.
Step 3
What we notice.
Not alarms. Plain observations, each with the reason it matters, in the language you would use.
Subscriptions
Three streaming services overlap and cost ₹1,447 a month. Worth keeping the ones you actually watch.
Unassigned money
₹79,953 came in this month and went nowhere in particular, on top of ₹3.2 lakh already in the savings account. It has no job yet. Based on your risk profile and your goals, we would recommend an ideal investment plan for it.
Insurance
Think about what your family depends on: the home loan, your child’s future and the income that keeps your lifestyle going. Your life cover of ₹40 lakh is not enough to protect all of that if something happened to you.
Step 4
What we would advise.
A plan with reasons. It is built around structure, never around a product to sell.
Give the surplus a job
Decide, together, how much of the unassigned money goes to the child’s education, how much stays as an emergency reserve and how much goes towards the loan.
Close the protection gap
Work out the cover your family actually needs, so the home, your child’s future and the lifestyle you have built are safe whatever happens.
Keep what you use
Trim the overlapping subscriptions and put the saving to work towards a goal.
Step 5
Then, we stay on track.
A plan is only useful while it still fits your life. So we do not hand it over and leave. Here is the same household, over the next year.
Step 5
Then, we stay on track.
October
A bonus arrives
We decide with you how it divides between goals, the loan and a safety reserve, so it does not quietly disappear into spending.
Zoom out
Every life starts somewhere different.
Asha and Ram are one example. Your life may look nothing like theirs. The method stays the same; what we look at first changes with you.
Starting out
Meet Amruta, 24
Her first salary, and her first real choices.
We look at first
- Where is the money going?
- What should it build towards?
- Which habits are worth starting now?
Building a family
Meet Asha and Ram, 34 and 36
A loan, children, two incomes. The household you just saw.
We look at first
- Is the family protected?
- Are the goals funded?
- Is there room to breathe each month?
A business owner
Meet Imran, 45
Runs his own shop. Personal and business money are tangled.
We look at first
- Which money is yours?
- How steady is your own income?
- What is your safety net if business slows?
Retired early
Meet Suresh, 57, and Lata
Suresh took early retirement two years ago. Lata has always run the home.
We look at first
- How long will the money last for both of them?
- Is the monthly income steady?
- Is Lata secure, whatever happens to Suresh?
Different lives. One way of seeing money: whole, clear and yours.
Start with a conversation.
Your Free Discovery is a meaningful discussion about your financial position. Ask as many questions as you like.