FinancePal – Budget Planner

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.