New Regime is India's default from FY2024-25. Change only if you have high deductions.
Monthly Income
Monthly Expenses
Existing Investments
Auto-saved as you type
Total Monthly Income
₹0
0%
Savings Rate
0%
Fixed Costs
0%
Free Cash
Money Flow
Fixed Commitments
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Variable Spending
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Savings & Investments
Financial Health Score
GoodMedium Lifestyle
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trend
🚨Overspending Alert
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IMMEDIATE ACTION
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Savings Rate
—
of income saved
Free Cash
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after expenses & savings
EMI Burden
—
of income in EMIs
Invested
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total portfolio
Score Breakdown
Where Your Money Goes
Fixed 35%
Variable 25%
Savings 20%
Free 20%
💡
Your #1 financial fix will appear here.
Protection Status
Term Insurance—
Health Insurance—
Emergency Fund—
FIRE Number ?infl-adj—
FIRE = Financial Independence, Retire Early
The 25× rule says: if your investments are 25 times your annual expenses, they can sustain you indefinitely — because a well-diversified portfolio historically returns ~4%/yr (the "Safe Withdrawal Rate"). Withdraw 4% of ₹1 Cr = ₹4 L/yr = your expenses covered forever, without touching the principal.
Your FIRE Number = your current annual expenses × 25
FIRE Progress—
Weekly Report Card
₹
₹
0%
of target
₹0
to go
₹0
next week
Your Tax Inputs
Your Deductions
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80C InvestmentsLimit ₹1,50,000/yr
What qualifies under 80C?
EPF / PF — employee's contribution
ELSS Mutual Funds (3-year lock-in)
PPF deposit (max ₹1.5L/yr)
LIC / ULIP premium
5-Year Tax Saver FD (lock-in 5 yrs)
NSC — National Savings Certificate
Home loan principal repayment
Tuition fees (up to 2 children)
Sukanya Samriddhi Yojana
₹0 of ₹1,50,000 used
₹/month
₹
80D — Health InsuranceLimit ₹25,000/yr
What qualifies under 80D?
Health insurance premium — self, spouse, children (up to ₹25,000/yr)
Parents' health insurance premium — up to ₹25,000/yr (₹50,000 if 60+)
Preventive health check-up — up to ₹5,000 (within the overall limit)
Employer-sponsored premium also counts if deducted from salary
₹
₹
HRA — House Rent Allowanceauto from profile
Who can claim HRA?
HRA must be a component in your CTC / salary slip
You must be living in rented accommodation
Cannot claim if you own a house in the same city
Rent receipts required; landlord PAN mandatory above ₹1L/yr
Metro cities (Delhi, Mumbai, Chennai, Kolkata): 50% of basic; others: 40%
₹/month
₹/month
Home Loan Interest (Sec 24b)Limit ₹2,00,000/yr
What qualifies under Sec 24b?
Interest paid on home loan — self-occupied: max ₹2,00,000/yr
Let-out / rented property: full interest deductible (no cap)
Only the interest portion counts — principal repayment goes to 80C
Pre-construction interest claimed in 5 equal instalments from possession year
₹/month
₹
% p.a.
NPS Additional (80CCD(1B))Limit ₹50,000/yr
What qualifies under 80CCD(1B)?
Only NPS Tier 1 voluntary contributions
This is over and above the ₹1.5L 80C limit — additional ₹50,000
NPS Tier 2 contributions do NOT qualify
Both salaried and self-employed can claim this
₹
Other Deductions80E, 80G, 80TTA etc.
What comes under Other deductions?
80E — Education loan interest (no upper limit; up to 8 assessment years)
80G — Donations to approved charities (50% or 100% of donation)
80TTA — Savings account interest up to ₹10,000 (for non-seniors)
80TTB — Bank/post office interest up to ₹50,000 (senior citizens only)
80GG — Rent paid deduction for those NOT receiving HRA in salary
₹/year
Recommendation
New Regime is employer default since FY 2024-25 — enter your salary above to compare
Old Regime
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Best
New Regime
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—
Best
Additional tax you could still save
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Monthly Take-Home Comparison
Under Old Regime—
Under New Regime—
Monthly difference—
Tax saving = SIP potential—
Annual Tax Strategy Planner
Annual Plan
AssumptionsReturn
|Inflation
|Real return 6%
All projections are inflation-adjusted
Total Monthly SIP Needed
—
across all active goals
FIRE Calculator
Financial Independence
FIRE = Financial Independence, Retire Early
Your expenses today will be higher at retirement due to inflation. Artha-IQ inflates your current expenses to what they will actually cost at age 60, then calculates the corpus needed to sustain that lifestyle using your real return rate (return minus inflation). This gives you a realistic, not underestimated, target. FIRE Number = Inflation-adjusted annual expenses at age 60 / real return rate
FIRE Number (inflation-adjusted)—
Your current portfolio—
FIRE progress—
Retire early at age—
₹0+₹0/mo₹50K
With boost — retire at—
Find Your Money Leaks
Tick what applies to you. We'll calculate exactly how much these habits cost — and the wealth they're destroying over time.
📺 OTT Subscriptions
Netflix/Prime/Hotstar
subscriptions
🍔 Dining Out / Zomato
Food delivery, restaurants
orders/month
🏋️ Gym / Fitness Apps
Rarely used memberships
₹/month (fee)
🚬 Smoking / Tobacco
Hidden health + wealth cost
cigarettes/day
or ₹/month directly
💳 Credit Card Interest
Paying only minimum due
₹/month interest
📱 Gadget / Tech EMIs
Upgrading before payoff
₹ monthly EMI
✈️ Impulse Travel
Unplanned trips, flights
₹/month avg spend
🚕 Excess Cab Rides
Ola/Uber when commute works
rides/month
₹0
draining from your wealth each month
Top leak
Details
Subscription Audit
Daily Habits
🍕Food delivery
₹per order
×/mo
☕Cafe / coffee
₹per visit
×/mo
🚕Cab / Uber
₹per trip
×/mo
🛍️Impulse shopping
₹per month
🚬Smoking
₹per cigarette
cigs/day
🍺Alcohol
₹per session
×/mo
Total Monthly Leaks
₹0
₹0 per year
5 Years
—
10 Years
—
20 Years
—
If you invested your biggest leak instead at 12% p.a.:
₹0 in 20 years
That's the real cost of this habit.
Habit → Wealth
If you redirected each leak into a SIP at 12% p.a. — here's what you'd accumulate in 10 years:
All leaks combined → 10 yrs—
The full cost of your habit
You pay monthly
—
Est. extra health cost over 10 yrs
—
Combined drain on savings over 10 years: —
If you invested —/month as a SIP at 12% p.a.
5 years—
10 years—
20 years—
Health cost projections are statistical estimates based on ICMR data and NHP benchmarks, not personal medical predictions. Artha-IQ shows the financial math only. Consult a doctor for personal health advice.
⚖️
Balanced Planner
Your spending is under control. A few tweaks can dramatically accelerate your wealth.
Quick Financial Scan
Two numbers and our AI will give you an instant read on your financial health — with one critical risk highlighted. The full GOT analysis goes much deeper.
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Quick Financial Health Score
Critical Risk Identified
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6-Dimension GOT Analysis
Savings Power: —/10
Debt Control: —/10
Risk Coverage: —/10
Tax Strategy: —/10
Wealth Growth: —/10
Life Goals: —/10
Your Prioritised Action Plan
6 actions ranked by impact · 30-day + 90-day roadmap
GOT Advisor uses Graph of Thought reasoning — Pithonix AI analyses your entire financial profile across 6 dimensions simultaneously and finds connections between them.
Reasoning across 6 dimensions...
Overall Assessment
Your Top 3 Actions
Government Schemes You Qualify For
Benchmark Your Salary
3 quick questions. We'll tell you exactly where you stand against market — and what's holding you back.
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salary gap vs market median
Market Benchmark
—
Top 3 Skills That Pay More
Run the analysis to see personalized skill gaps
City-wise Salary Comparison
Select your role to see city comparisons
Your Negotiation Playbook
When to ask, how to frame it, what to say — based on your gap
Your Career Profile
Salary Grid
Market Salary Benchmark
Module 5
Offer Letter Evaluator
Should I move?
Your Two-Path Plan
Module 6
Skill Up — ROI Calculator
Module 7
Your City Cost Report
Tell us your city and key expenses. We'll compare you to the actual benchmark for your income tier — instantly.
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vs city benchmark
Rent vs City Median
—
Groceries vs City Median
Enter your spending above to see comparison
Transport Spend
Enter your transport spend to see vs city median
Dining & Entertainment
Use the Leaks module to track dining + entertainment spend
Cost of Living Index
Category Breakdown
Medium
Lifestyle Spend
—
city benchmark (excl. EMIs)
Your lifestyle spend
—
Fixed Obligations · from profile
Total Committed / month—
Est. Free Cash—
Income − lifestyle − EMIs − insurance (savings excluded)
💡
Source: NoBroker Rental Index Q1 2025 · Numbeo India Cost of Living 2025 · MOSPI Consumer Price Index · TeamLease India Salary Survey 2024
Last updated: January 2025 · Data is city-level statistical average, not a personal quote.
Tier 3 towns use 0.65× interpolation from nearest Tier 2 city.
3,847 professionals analyzed their finances this month
⚡ITR filing season approaching — know your exact tax liability now before it's too late
Best Value
Full View
All modules · Unlimited · 1 month
₹699/mo
vs ₹1,300 à la carte
Or unlock per module
Tax Optimizer
₹50/use
2 free uses
Goal Planner
₹150/use
Money Leaks
₹150/use
Cost of Living
₹200/use
Expert View (AI)
₹250/use
Salary & Skills
₹400/use
What each module unlocks
Tax OptimizerFirst 2 uses free
Goal PlannerFIRE targets, SIP goals
Money LeaksSpending audit & fixes
Cost of LivingCity comparison index
Expert View (AI)GOT AI financial advisor
Salary & SkillsCareer growth & benchmarks
Refer & Earn ₹50
Share your code — your friend gets ₹50 off Full View, you earn ₹50 credit.
——
Your referral credits₹0
Have a referral or partner code?
Your referrals
Annual Plan Feature
📄 Download Full Report
Your complete financial intelligence report as PDF
Annual Plan Feature
🤖 Priority GOT Analysis
Enhanced AI analysis — deeper reasoning, 30-day action calendar, investment allocation strategy
Early Access · Annual Users
BETA
🌏 NRI Financial Planner
DTAA tax calculations, FEMA compliance, NRE/NRO planning, remittance optimisation. Launching Q3 2026 — you're first in line.
Consolidated account statement — all funds in one go
Pending
Documents are processed in-memory using AI vision. They are not stored or shared by Artha-IQ.
✓Done
Can I Afford This?
Type any purchase — see the real financial impact instantly.
Your free cash this month
Purchase price
= months of free cash
EMI if paid over 12 months
Your EMI burden after this
Comfortable wait time
👋
What should we call you?
We'll personalise everything you see in Artha-IQ.
?
Add a photo
Optional — tap to upload
🏠
Which best describes you?
This helps us tailor your goals and recommendations.
🧑 Single
👫 Couple
👨👧 Parent
👨👩👴 Joint Family
✈️ NRI / Overseas
💼 Freelancer / Gig
📍
A bit about you
Used for benchmarking your numbers against others like you.
🏛️
Which tax regime are you on?
This affects your tax calculations across the whole app. You can change it anytime.
Not sure? Choose New Regime. It's simpler and gives lower tax slabs with no deduction paperwork. Switch to Old Regime only if your 80C + 80D + HRA deductions exceed ₹3.75 lakh.
💰
How much do you earn each month?
Enter your take-home salary — the amount that hits your bank account after TDS.
🏘️
Your key monthly expenses
Just the big ones — skip anything that doesn't apply.
🎯
How much do you save each month?
Include SIPs, PPF, NPS contributions, RDs — anything you set aside regularly.
Savings account, liquid FDs, or cash that you can access in 24 hrs
📊
What have you already built?
Skip anything you don't have yet — all optional.
🎉
You're all set, Rahul!
We've captured your details. Now let's calculate your financial health score and check for potential gaps.
Profile Ready
Smart Import · Powered by Claude AI
Fill your profile in seconds.
Upload any financial document — Artha-IQ reads it and auto-fills your numbers. No typing.
Your documents are read instantly by AI and never stored on our servers. Only the extracted numbers are saved.
Salary Slip
Take-home · HRA · PF · TDS · Employer · City
PDF or photo (JPG / PNG) · Most recent month
Upload
Form 16
Tax regime · 80C / 80D · NPS · Annual income
PDF · From your employer · FY 2025-26
Upload
Bank Statement
EMIs · Recurring spend · Average balance
Screenshot (Summary Page) or PDF
Tip: Statements > 2 pages? Use Screenshots of the summary page for faster, private analysis.
💡 CAMS is the fastest — enter your PAN + email, statement arrives in ~2 minutes. No account creation needed.
PDF is password-protected
Different banks use different patterns — check the email from your bank first. Common ones:
HDFC9-digit Customer ID (e.g. 123456789)
ICICIFirst 4 letters of name (lowercase) + DDMM (e.g. amit1202)
AxisNAME (4 caps) + Customer ID (e.g. SATY12345678)
SBI11-digit Account No., or last 5 of mobile + DDMMYY
KotakCRN (Customer Relationship Number)
OthersPAN number (e.g. ABCDE1234F) or DOB (DDMMYYYY)
Wrong password — check the bank email for the exact format (Customer ID, DDMM, PAN, etc.)
Upload Screenshots Instead
Take screenshots of your statement pages and upload them all at once. You can pick multiple images in one go.
Or enter your monthly obligations manually
Include EMIs, insurance, utilities, mobile, broadband. Exclude occasional food/shopping.
Extracted — here's what we found
Anything Missed?
Add any recurring obligations not detected above: Consumer loans with cryptic merchant names, utilities that didn't match, subscriptions, insurance premiums, or any fixed monthly expense you can't skip.