TimeWallet

TimeWallet is a personal finance app for India that reframes spending decisions by converting money into life-hours. Instead of abstract currency, you see the real cost: how many hours of work a purchase actually demands at your real hourly wage (factoring commute, taxes, prep time).

Core features:

Live earnings ticker — watch your hourly wage accumulate in real-time, with overtime and taxes built in
Expense-to-time converter — snap a bill or enter a price to see exactly how many hours that cost you
Worth-it quiz — answer 3 questions about an impulse buy and get a verdict (buy now / sleep on it / skip it); put wants on a 24-hour hold and reclaim the time if you skip
Goals in work-days — track savings goals as "50 hours" instead of "₹15,000," making them visceral
Weekly life receipt — every Sunday, a recap of your week in hours: category breakdown, best skip, mood, shareable card
100% on-device — no servers, no tracking, all data encrypted locally
UPI ready — built for India's payment ecosystem
Why it matters: Money doesn't feel like anything. Hours do. TimeWallet makes the hidden cost of spending visible — turning abstract choices into time you can actually feel slipping away, so skipping an impulse buy becomes reclaiming hours of your life instead of just "saving money."