From three numbers to a plan
About a minute, start to finish. Nothing to install, and no card at any point.
Answer three things, here
Take-home, spending, savings — one question at a time, on this page. Tap a quick-pick or type. No sign-in.
No sign-inSee how long you are covered
The moment you finish: how long your savings would keep you going if the income stopped. Your numbers, no assumptions of ours.
No sign-inSign in and the rest opens
Setup asks one more figure — your age — and carries the three you have already given. Then every screen is yours: your loans, your goals, your tax and month-by-month progress.
Sign inThree answers, from numbers you already know.
No jargon, no product pushing — just the math on your own numbers.
How long you are covered
If the income stopped today, how long the money you can actually reach would keep you going.
What moves that runway
What you keep each month, and what spending a little less or saving a little more does to it.
Which loan costs you most
Your loans ranked by what each one really charges you, and what that order saves. The math — never what to buy.
Everyday money tools for a salaried professional
23 tools, in 7 groups — always the math on your own numbers, never a product push.
Salary & tax
What you earn, and what the two tax regimes each take from it.
4 tools
Loans & EMI
What each loan costs, and when you are clear of it.
5 tools
Home & rent
Renting, buying, and what a home actually costs to hold.
3 tools
Save & plan
Where your money is heading, and what would move it.
5 tools
Protect
What the people who depend on you would have, if your income stopped.
1 tool
Changing jobs
What is owed to you when you leave, and what an offer is really worth.
1 tool
Records
The figures every answer above is built on. All of them yours.
4 tools
All of it is free.
Where you stand, where you are heading, and what would change it. No card, nothing held back, nothing that stops working.
Free, all of it
- How long your money would keep you going if the income stopped
- Your Freedom Day and its honest range, once you set the growth you assume
- A monthly check-in, and how far every figure moved since the last one
- Your net worth, what you own and owe, and where each month goes
- Your loan payoff plan and the date you are clear
- What a purchase would cost you, in months
- Every number you have entered, always editable
- What saving more, spending less or retiring later does to your date
- Whether each goal lands on the date you named, and what would close the gap
- Which tax regime costs you less on your own salary, line for line
- What a prepayment does to your home loan
- Every what-if re-answered as your own numbers change
No card, nothing to cancel, and no bank login — Muktify never asks for one. You type what you know; a rough figure is enough to start.
Why this exists
You can read a hundred articles about FIRE and still not know where you stand. Muktify does not add a hundred-and-first. It does the arithmetic on your own numbers and shows you the answer.
Every figure comes from what you typed and the assumptions you chose. We never name a fund, never suggest how to split your money, and never supply the return your projection runs on — that number is always yours.
Questions people ask first
Do I need to connect my bank?+
No — never. Muktify uses manual numbers only. We don’t store bank credentials, card numbers, or account passwords. You type what you know; a rough figure is enough to start.
Is this financial advice?+
No. Muktify is an educational calculator, not a financial adviser, and we’re not SEBI-registered. We never recommend specific stocks, funds, or allocations — we just show the math on your own inputs and assumptions.
Do I have to pay to see my numbers?+
No. Every screen is free, with no card and nothing to cancel — how long your savings would keep you going, your Freedom Day and its range once you set the growth you assume, your net worth, where each month goes, your loan payoff plan and the date you are clear, what a purchase would cost you in months, what saving more or retiring later does to your date, whether each goal lands on the date you named, which tax regime costs you less on your own salary, what a prepayment does to your home loan, and every number you have entered. There is nothing held back and nothing that stops working after a few days.
How long does it take?+
About a minute. Three questions on this page, then your answer. Signing in adds one more — your age — and carries the three you have already given; every number stays editable inside the app.