Know Your Finance India

India's smartest personal finance app. Track expenses, compare 600+ credit cards, calculate goals & build wealth, all private, offline-first. Made in India

Know Your Finance is a privacy-first Indian finance app for iPhone. Track expenses, budgets, net worth, and goals; plan EMIs, SIPs & taxes; run What-If analyses; and compare up to 5 scenarios fully offline with a fast SwiftUI design.

Highlights

India-ready tools (24): EMI, Tax (New vs Old), Crypto Tax (30% + 1% TDS), PPF, EPF, FD, HRA, NPS, XIRR, CAGR, Break-even, Compound Interest,Experimental: Smart Asset Allocator, Money Time Machine.

Scenario Planning: Save 5 scenarios per planner, name & note them, compare side-by-side with Best/Worst and ↑/↓ visual diff indicators.

What-If Calculator: Instantly see impact (e.g., increase SIP by 20%, prepay ₹1L on loans) with color-coded differences and Best/Likely/Worst outcomes.

Financial Health Score (0–100): 6 components (Budget, Net Worth, Goals, Tracking, Savings, Investments) with breakdown, tips & donut charts.

Income Tracking: 9 sources (Salary, Freelance, Business, Rental, Interest, Dividends, Capital Gains, Pension, Other), summaries, salary-hike tracking & reminders.

ML-assisted insights: NaturalLanguage for auto-categorization, spending pattern detection, anomaly alerts, and personalized recommendations—on device.

Education & Wisdom: 25+ beginner lessons, 39 curated quotes (Buffett, Munger, Bogle, Dalio, Ramit, Naval & more), India-specific guidance (PPF/EPF/80C/80D).

Portfolios: 11 investor portfolios (Buffett, Dalio All-Weather, Lynch, Bogle, Graham, Munger, Jhunjhunwala, Damani, Prashant Jain, Typical Indian, Salaried Pro) with age-wise allocation & key lessons.

Why you’ll love it

Offline-first & private: Core Data on device. No bank linking, logins, or ads.

Thoughtful UX

iOS 17+ SwiftUI with Charts, haptics, animations, dark mode, Dynamic Type & VoiceOver.

Spotlight search for all calculators; history (50 results/tool); Recent Calculators on dashboard.

Auto-formatted inputs (₹10,00,000), quick input chips, interactive charts & tooltips, export results as Text/Image/PDF

New in Learn / Cards Hub: Read Credit Card Guides inside the app with a clean, native reader plus a “Recent Articles” section to browse quickly. It’s designed to stay simple: fast to open, easy to skim, and useful even when you just need the key points.

Disclaimer: Educational planning only verify critical decisions with a qualified advisor. Official rates/rules (e.g., PPF/EPF, Crypto Tax) may change per official notifications.