Short, plain answers. If yours is not here, write to support@muktify.in.
Muktify is a money app for salaried people in India. It keeps your salary, spending, savings and loans in one place, and a one-minute check-in each month shows where you stand and what changed. The public site also has salary, tax and loan calculators and plain-English articles you can use without an account.
How it worksAnyone in India who earns a salary and wants one clear picture of their money: what comes in, what goes out, what they own and what they owe. It models one person, not a household.
No. You type your own figures, and a rough figure is fine to start. Muktify never asks for a bank login, a card number or any password for another service. The only thing it fetches from outside is the official daily price of a mutual fund you have added, which is a fact about the fund, not about you.
Your figures are stored against your account and no other user can read them. There are no ads, and we do not sell your data. Our analytics record which screens are used, never a figure you typed.
Read the privacy policyFrom the Account screen in the app: tap Delete my account, then confirm. It removes your profile, every asset, loan and goal, and all your history, and it cannot be undone. You can also download everything we hold about you as one file before you delete it.
You add each loan once. Every month the app applies your EMI the way a lender does, interest first and the rest off the balance, so the balance comes down on its own. You can correct it any time, and it shows the month each loan would be paid off on the payments you make today.
Never. Anything that looks ahead needs a growth figure, and that figure is always yours to type or to leave blank. Until you add one, the app shows only facts about today.
They answer one question each, such as your in-hand salary from a CTC, your EMI on a loan, or old versus new tax regime, from figures you type. They need no account and save nothing.
See all calculatorsNo. Muktify is an educational tool and is not registered with SEBI. Every figure is arithmetic on numbers you entered. It never names or ranks a stock, fund or scheme, never tells you to buy or sell anything, and every estimate is only an estimate.
Read the disclaimerEducational estimates from the figures you enter. Not investment advice — Muktify is not SEBI-registered.