A chat can answer a money question once. Muktify remembers your numbers, keeps the ones it can up to date by itself, and tells you when a date that matters is near — so each time you open it, it already knows where you stand.
Home is four parts, in the order you would ask them — and none of it needs a growth figure from you.
What you could reach today against what leaves your account each month. A fact about now, not a forecast.
This month’s check-in, the next tax date, or the one figure still missing — never a list of chores.
Your next dates in order: a loan ending, a goal you dated, a deadline.
What you own minus what you owe since you started, loans paid off, and your check-in streak.
You choose, holding by holding, how each one stays up to date. Where Muktify can work it out, it does — and it always says how.
Grown from the day you made it to the day it matures. Then it stops and asks: paid out, or renewed? It never rolls one over by itself.
The rate officially declared for each year, labelled with that year, with your monthly contribution added on its date.
Your units at each day’s published NAV. With a SIP, each instalment’s units are added at that day’s price.
A worked-out value waits for one tap before it goes on record. Shares and property stay yours to update.
When a grown value is ready, it waits under the bell for one tap to record it.
Add a loan once — the balance, the rate, the EMI and the day it is debited. From then on the balance comes down on that day, every month.
Each EMI is split into interest and principal, exactly as a bank does, and the principal comes off.
Each loan runs on its own EMI to its own end. Paying extra is something you try, priced, never something assumed.
Every month, every prepayment and every rate change, kept as the loan’s story. A paid-off loan keeps it too.
For a floating-rate loan, Muktify asks now and then whether your rate has changed. It never claims it did.
Everything worth knowing about your own money, in three groups — and on your phone too, if you switch notifications on.
A holding that has grown and is waiting to be recorded, an FD that has matured, this month’s check-in.
An EMI a few days away, a loan nearly paid off, an FD maturing, a goal date, a tax date, a milestone within reach.
A milestone crossed, a loan paid off, a goal reached, SIP units added — and every reminder we sent.
Once a month Muktify asks one question: has anything changed? Most months the answer is no, and that is one tap.
It records the figures it is showing you — the ones it kept current included — as this month’s check-in.
A raise, a new FD, a closed loan. Everything else is already filled in.
Each check-in shows how far your figures moved since last month, and fills in your history.
Name a goal and the date you want it by. Muktify shows how much of it the money you already have covers — after your safety buffer.
Out of what you already hold, in order of date. No growth is assumed unless you give your own figure.
When a goal’s date is near, it shows up under the bell.
Mark a goal done and it leaves your plan, along with the money it used.
Muktify is an educational calculator, not an adviser. It works only from figures you type.
Nothing is read from your bank. Prices and declared rates are public data; your figures are yours.
It names no fund, ranks nothing and never tells you what to buy.
Download everything it holds about you, or delete your account, from Account at any time.
Every figure is arithmetic on numbers you entered — a fixed deposit at the rate you gave, PF and PPF at the officially declared rate, a fund at its published price — and none is a forecast. Not investment advice — Muktify is not SEBI-registered.
What you take home, what you spend, and what you have saved. Add holdings and loans whenever you like — each one keeps itself current from the moment it is in.
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