FinancePal – Budget Planner

Free, private, and built for India. No ads, no data collection — just honest financial planning for salaried professionals.

FinancePal is a personal finance planning app built specifically for Indian salaried professionals. Enter your CTC and see your real take-home — after tax, EPF, and every deduction — in seconds.

INCOME & TAX

• Full FY 2025-26 tax calculation for both New and Old regimes
• Automatic regime recommendation — see exactly which regime saves you more and by how much
• EPF impact on take-home clearly shown
• Surcharge, marginal relief, 87A rebate, and 4% cess — all calculated correctly

EXPENSES & SAVINGS

• Track monthly expenses by category
• Plan one-time future expenses (home, travel, car) by financial year with funding source allocation
• See your annual cash savings and wealth created each year

INVESTMENTS & PORTFOLIO

• Track SIP investments with projected corpus at weighted returns
• Enter your starting portfolio — equity, debt, EPF, PPF, gold, real estate
• Net worth dashboard with liabilities

20-YEAR WEALTH FORECAST

• See your financial life projected 20 years forward
• Annual cash flow waterfall — income, expenses, savings, and investments in one view
• Portfolio growth by asset class with constituent level detail
• Key milestones — set your own income, savings, and portfolio targets and see which year you'll hit them
• One-time expenses automatically reduce forecast savings in the right year

PRIVACY FIRST

• All data stored on your device — nothing sent to any server
• Optional iCloud sync to your personal account only
• No ads, no analytics, no data collection of any kind

FinancePal is free. No subscriptions required to access any core feature.