🚀 Quick Actions
🎓 Getting Started — 5 Minute Guide
Step 1: Profile Setup
Profile me apni details update karo — name, financial goal, current assets. Yeh 30 sec ka kaam hai aur AI Advisor ko better insights dega.
Step 2: Income Add Karo
Income tab → Add Income. Salary, freelance, rental — sab add karo. Frequency sahi select karo (Monthly/Yearly/One-time).
Step 3: Expenses Track Karo
Expenses tab → Add Expense YA Bank Import se automatic entries. Top 5-10 expenses add karne se hi clear picture milega.
Step 4: Portfolio Import
Investments → Portfolio → Import karo Zerodha/Upstox CSV. All 24 stocks select karke "Confirm Import" click karo.
Step 5: Stock X-Ray Try Karo
Portfolio me kisi bhi stock pe click karo → "X-Ray →" button. 5 min me institutional-grade 30-page report aayega live NSE data ke saath.
Step 6: ARTHA™ Se Baat Karo
ARTHA™ Wealth Advisor tab → Koi bhi sawal poochho. "Mere expenses kahan zyada hain?" YA "Kaunsa SIP start karu?" — ARTHA aapka data analyze karke jawab dega.
❓ Frequently Asked Questions
🔒 Mera data safe hai?
Haan, 100% safe. Tumhara data Supabase (encrypted cloud) pe save hota hai. Humare paas tumhare password tak nahi aate (encrypted). Row-Level Security policies ensure karti hain ki sirf tum apna data dekh sako.
💰 Abhi free hai? Kab paid plan aayega?
Soft launch period me 100% FREE. End-April 2026 ke baad tier launch honge:
• FREE: 1 X-Ray/month + basic features
• ₹999/month: 10 X-Rays + ARTHA™ Premium
• ₹4,999/month: Unlimited + Portfolio CFO mode
Current users ko early access discount milega!
• FREE: 1 X-Ray/month + basic features
• ₹999/month: 10 X-Rays + ARTHA™ Premium
• ₹4,999/month: Unlimited + Portfolio CFO mode
Current users ko early access discount milega!
📊 Stock X-Ray kitna accurate hai?
X-Ray live NSE data + Yahoo Finance se real-time prices fetch karta hai. AI analysis Anthropic ke Claude Sonnet 4.6 model se (institutional-grade). Data accuracy 99%+ hai, lekin recommendations ko hamesha SEBI-registered advisor se verify karo — yeh educational tool hai.
📥 Zerodha ke alawa kaun se brokers support karte ho?
Abhi support: Zerodha, Upstox, Groww, ICICI Direct, Kotak, Coin (ICICI), Angel One, Wazirx, CoinDCX. CSV upload karo — automatic parse ho jata hai. Agar tumhara broker list me nahi hai, WhatsApp karo — add kar denge.
🏦 Bank import kaise kaam karta hai?
Expenses → Bank Import se tumhara bank statement (PDF ya CSV) upload karo. Supports: Kotak, HDFC, SBI, ICICI, Axis, IDFC. Automatic parsing se income + expenses identify hote hain, tumhe manually add nahi karna padta.
🤖 ARTHA™ mere saare data se kya karti hai?
ARTHA tumhare income, expenses, investments, goals — sab dekh ke personalized advice deti hai. Jaise: "Mere savings rate kaisa hai?", "Tax bachane ke options?", "Retirement ke liye kitna SIP?" — sab ka custom answer. Data kabhi external share nahi hota.
📱 Mobile pe kaise use karu?
App mobile-responsive hai — browser me https://one.vittsphere.com kholo. Chrome/Safari me "Add to Home Screen" option se app jaisa icon ban jayega. Dedicated iOS/Android app Q3 2026 me launch hoga.
💾 Apna data export kar sakta hu?
Haan! Tools → Export Data → CSV/Excel download karo. All income, expenses, investments, goals — complete backup. DPDP Act compliance ke liye data portability ensure ki hai.
🧾 Tax filing me madad milegi?
Goals & Planning → Tax Planning & ITR Filing me full support:
• 80C/80D/NPS tracking
• Capital gains calculation (STCG/LTCG)
• ITR-1, ITR-2, ITR-3 support
• Tax-saving recommendations
ITR filing CA-assisted service ₹999 se start.
• 80C/80D/NPS tracking
• Capital gains calculation (STCG/LTCG)
• ITR-1, ITR-2, ITR-3 support
• Tax-saving recommendations
ITR filing CA-assisted service ₹999 se start.
🔄 Data update kaise karu agar galti ho jaye?
Har entry ke saath edit (✏️) aur delete (❌) button hai. Bulk edit ke liye: All Income / All Expenses / Portfolio page pe jao. Galti se sab data clear ho jaye toh Tools → Clear All Data se reset kar sakte ho (irreversible).
🎯 Goals kaise set karu realistic tarike se?
Goals & Planning → Financial Goals → Add new goal. Target amount + time horizon daalo, auto-SIP calculate hoga. Example: "Buy car ₹15L in 3 years" → ₹35K/month SIP needed @ 12% returns. Multiple goals simultaneously track kar sakte ho.
💡 MIS Report kya hai aur kab generate karu?
MIS (Management Information System) Report = monthly executive summary. Income, expenses, investments, savings rate, tax liability — sab ek consolidated AI-generated report me. Month end pe generate karo (30th/31st) ya whenever tum review karna chahte ho. Free unlimited generation.
🆘 Kuch work nahi kar raha — kya karu?
1. Hard refresh karo: Ctrl + Shift + R (Windows) ya Cmd + Shift + R (Mac)
2. Browser cache clear karo
3. Different browser try karo (Chrome recommended)
4. Screenshot bhej do WhatsApp (+91 7217634981) ya email (info@vittsphere.com) — 30 min me solve ho jayega.
2. Browser cache clear karo
3. Different browser try karo (Chrome recommended)
4. Screenshot bhej do WhatsApp (+91 7217634981) ya email (info@vittsphere.com) — 30 min me solve ho jayega.
🎁 Naye features kab aayenge?
Coming Soon (Q2 2026):
• Dark mode toggle
• Settings tab with preferences
• Charts in PDF reports
• Multi-user family plan
• Advanced tax scenarios
• AI-powered investment recommendations
Feedback share karo — prioritize karenge!
• Dark mode toggle
• Settings tab with preferences
• Charts in PDF reports
• Multi-user family plan
• Advanced tax scenarios
• AI-powered investment recommendations
Feedback share karo — prioritize karenge!
👤 Account delete kaise karu?
Privacy first — data delete karne ka full right hai:
1. Profile → Delete Account button (coming soon)
2. Ya email karo info@vittsphere.com "Delete my account" subject se
3. 48 hours me data permanently erase ho jayega (DPDP Act compliance)
1. Profile → Delete Account button (coming soon)
2. Ya email karo info@vittsphere.com "Delete my account" subject se
3. 48 hours me data permanently erase ho jayega (DPDP Act compliance)
📞 Still Need Help?
Koi bhi sawaal, feedback ya suggestion ho — humein direct contact karo. Usually 30 min me response:
🏢 About VittSphere ONE
VittSphere ONE is India's first AI-Powered Personal CFO app — built by CA Prabhakar Kumar with 7+ years of finance experience.
Mission: Retail investors ko institutional-grade financial tools dena — jo pehle sirf HNI clients ke paas the.
By: VittSphere Technologies Private Limited
Based in: Pune, Maharashtra, India
Founded: 2026
Mission: Retail investors ko institutional-grade financial tools dena — jo pehle sirf HNI clients ke paas the.
By: VittSphere Technologies Private Limited
Based in: Pune, Maharashtra, India
Founded: 2026
Billing & Plans
Manage your subscription, view invoices, and upgrade your plan
Current Plan
Free Tier · Beta Access
Free until 30 June 2026 · All features unlocked
Available Plans FY 2026-27 · ITR included
Pro Annual
Self only
₹4,499₹4,999SAVE 25%
Couple Annual
Self + Spouse
₹6,499₹6,999SAVE 22%
RECOMMENDED
Family Annual
4 members
₹8,999₹9,999SAVE 25%
Premium Annual
6 members + CA call
₹17,999₹19,999SAVE 25%
All Annual plans include
FREE ITR-1 / ITR-2 filing · 25% off vs Monthly · 30-day money-back guarantee · Locked pricing for the year
Add-ons & Top-ups
Pay-as-you-go for AI queries, Stock X-Ray reports, and 1-on-1 CA calls without committing to a subscription.
Payment History
No transactions yet
Invoices and receipts will appear here after your first purchase
Preferences
Theme, language, currency, and display options
Appearance
Regional
Currency
Language
Account Information
App Tour
First-time onboarding repeat karna chahte ho? Ya setup ko revisit karna hai?
Full Name
Email
—
Phone (optional)
+ Add phone
Member Since
—
Session
Active (2hr auto-logout)
Financial Profile
Primary Goals (multiple select kar sakte ho)
🧾 Tax Bachao
📊 Budget
📈 Investments
🌅 Retirement
Employment Type
Date of Birth
Risk Profile
Annual Income Bracket
Tax Regime Preference
Affects tax insights accuracy · Can change anytime
Investment Horizon
Life Context
Helps AI give you PERSONALIZED advice based on your life situation
Marital Status
💼 Single
💑 Married
👤 Other
Children (if any)
💡 Gender helps AI suggest Sukanya Samriddhi for girls, education/marriage planning, etc.
Parents Financially Dependent?
Home Status
City Tier
Income Stability
Family Members
Add spouse, kids, parents to manage wealth together
1 of 1
Beta Free Access: Up to 6 family members until 31 May 2026
Life Planning
Estate planning, major expenses & heritage — critical for complete CFO advice
Will / Estate Plan Status
💡 Important for estate planning & tax-efficient wealth transfer
Expected Major Expense (next 2 years)
🏠 Home
🚗 Car
💒 Wedding
🎓 Education
🏥 Medical
💼 Business
✈️ Travel
❌ None
Select all that apply (multi-select)
Health Conditions (optional, affects insurance advice)
🔒 Never shared with anyone. Used only for critical illness cover recommendations.
Inheritance Expected
Business or Property Owned
💼 Business
🏘️ Rental Property
🏢 Commercial
🌾 Agri Land
❌ None
Emergency Contact (Nominee)
💡 Reminder to set as nominee in investments, insurance, bank accounts
Security Status
✓
256-bit Bank-grade Encryption
ACTIVE
✓
Password Protection
ACTIVE
✓
Auto-Logout (2 hours)
ACTIVE
✓
DPDP Act 2023 Compliant
ACTIVE
✓
HTTPS Encrypted Connection
ACTIVE
🔜
Two-Factor Authentication
MAY 2026
🔜
Biometric Login
JUN 2026
🛡️ Your data is protected by 5 active security layers
Notifications
📧 Email Weekly Summary ⚡ LIVE NOW
Every Monday 8 AM IST · Weekly stats + ARTHA insight of the week
📱 WhatsApp Reminders 🟡 LAUNCHING LATE MAY
ITR deadlines · Payment receipts · Weekly summary · Q1 advance tax alerts
💡 Smart Insights in App ⚡ LIVE NOW
AI-powered insights on your dashboard · Auto-refresh every 7 days
⚡ Smart Insights & Email LIVE · 📱 WhatsApp pending Meta approval (late May 2026)
Change Password
New Password
Danger Zone
🏦
Import Bank Statement
Auto-read all transactions in 1 click
🏠
EMI Bifurcation
Split EMI into Principal + Interest
📈
Add Investment
Track MF, stocks, FD, gold
🤖
AI Snapshot
Instant financial health analysis
Monthly Income
₹0
📥 Import bank statement
Monthly Expenses
₹0
📥 Import to auto-track
Monthly Savings
₹0
Income minus Expenses
Net Worth
₹0
Assets minus Liabilities
Savings Rate
0%
Target: 20%+
Portfolio Value
₹0
📈 Add investments
Total Assets
₹0
Total Liabilities
₹0
Income vs Expenses Monthly breakdown
Add income and expense data to see your breakdown chart
AI Wealth Snapshot Not generated yet
Welcome to VittSphere ONE 🎉
Your AI-powered CFO is ready. Import your bank statement to unlock full analysis.Zero-Effort Features NEW
Bank import · EMI parser · Platform connect · Multi-currency · 10 Indian languagesFinancial Health Score — 6 Dimensions AI graded
Savings Rate—
Debt-to-Income—
Emergency Fund—
Investment Rate—
Income Diversity—
Net Worth Growth—
Income by Type
Add income to see breakdown
Expenses by Category
Add expenses to see breakdown
Investment Mix
No investments yet
Add your stocks, MF, FD or import to see allocation
🔒Bank-grade Encrypted
•
🛡DPDP Compliant
•
👤Built by CA
Your financial data is encrypted, private, and never shared
Quick Add Form
What are you logging?
Category
Amount
Description
Date
Frequency
Recent Quick Entries 0 today
Use Quick Entry to log transactions instantly
Pro Tip
Log daily in under 30 seconds. AI spots your patterns weekly and flags anomalies automatically.📋 CTC & Employment Details
Annual CTC (₹)
Basic Salary % of CTC
Typically 40–50%
City Type (for HRA exemption)
Monthly Rent Paid (₹) — for HRA
Leave 0 if living in own house or no rent paid
PF Contribution
Professional Tax (Monthly ₹)
Maharashtra: ₹200/mo · Some states: ₹0
Annual Bonus / Variable Pay (₹)
Employer NPS (% of Basic)
Gratuity (included in CTC?)
📋 Deductions You Are Claiming (Old Regime)
80C — PF + PPF + ELSS + LIC + Home Principal (Max ₹1.5L)
80D — Health Insurance Premium (Max ₹25K self, +₹50K parents)
80CCD(1B) — NPS extra deduction (Max ₹50K)
24(b) — Home Loan Interest (Max ₹2L)
LTA — Leave Travel Allowance claimed (₹)
💼
Enter your CTC to decode your salary
Total Credit Limit
₹0
0 cards
Total Outstanding
₹0
—
Combined Utilization
0%
—
Bills Due This Cycle
₹0
min due
Est. Rewards Earned
₹0
from spend patterns
Annual Fee Total
₹0
—
Credit Score Impact
—
based on utilization
Next Due Date
—
—
📊 Card-by-Card Utilization Health
🎯 Credit Score Simulator
📊 Summary
📁 Import P&L
💹 Equity / MF
📉 F&O
⚡ Intraday
Crypto
🏠 Other Assets
✏️ Manual Entry
LTCG Equity
₹0
12.5% tax · ₹1.25L exempt
STCG Equity
₹0
20% tax · no exemption
F&O Net P&L
₹0
Business income · slab rate
Intraday P&L
₹0
Speculation · slab rate
Crypto Gain
₹0
30% flat · no set-off
Other LTCG
₹0
Property · Gold · Debt
Total Tax Payable
₹0
Estimated · excl. surcharge
🧾 Tax Liability Breakdown — Simple Explanation
Add transactions to see your tax breakdown
🔄 Set-off & Carry Forward Rules
✅ Allowed Set-offs
STCG loss → STCG + LTCG profit
LTCG loss → LTCG profit only
F&O loss → F&O profit (next 8 yrs)
Intraday loss → Intraday only (4 yrs)
LTCG loss → LTCG profit only
F&O loss → F&O profit (next 8 yrs)
Intraday loss → Intraday only (4 yrs)
❌ NOT Allowed
Capital loss ↔ Salary income
Crypto loss → any other income
Intraday loss → Capital gains
F&O loss → Salary (business loss rules)
Crypto loss → any other income
Intraday loss → Capital gains
F&O loss → Salary (business loss rules)
💡 Add transactions to see your personalised set-off calculation
📋 ITR Filing Guide — Where Does Each Income Go?
| Income Type | ITR Form | Schedule | Plain Language |
|---|---|---|---|
| LTCG / STCG Equity | ITR-2 | Schedule CG | Stocks/MF sell kiya |
| F&O Trading | ITR-3 | Schedule BP | Business income — audit may apply |
| Intraday Trading | ITR-3 | Schedule BP | Speculation business income |
| Crypto Gains | ITR-2/3 | Schedule VDA | Virtual Digital Assets — 30% flat |
| Real Estate / Gold | ITR-2 | Schedule CG | Property/gold sell kiya |
⚠️ F&O/Intraday traders: ITR-3 file karna zaroori hai. Agar F&O turnover > ₹10 crore hai toh tax audit (u/s 44AB) compulsory hai.
📊
Income Statement
All income transactions as CSV
💸
Expense Statement
All expense transactions as CSV
🗂️
Complete Statement
Income + Expenses + Investments
📋 Financial Summary Report
📊 Data Summary
Upload Bank Statement
📄
Drop your bank statement here
✅ CSV · Excel · PDF · JSON — All Indian banks supported
CSV
🤖 ARTHA auto-categorizes & detects family/loan transfers
Supported Banks
SBI · HDFC · ICICI · Axis · Kotak · Yes · PNB · BOB · Canara · Union · IndusInd · All UPI/NEFT statements100% Private
Statement processed locally in your browser. No data sent to any server.Direct Bank Connect
🏛️
SBI
AA Soon🔵
HDFC
AA Soon🟠
ICICI
AA Soon🟣
Axis
AA SoonRBI Account Aggregator (AA)
Direct bank API sync via AA framework — daily auto-sync of all transactions. Launching next version.Income Entry
Income Type
Amount
Frequency
Source / Description
Date
Recent Entries 0
No income yet.
Total Income
₹0
from all sources
Annual Run Rate
₹0
extrapolated
Income Streams
0
types active
Passive %
0%
rental+div+interest
Primary Source
—
—
Avg per Transaction
₹0
0 transactions
Tax-Efficient Income
₹0
agriculture+gratuity
Highest Month
—
—
📊 Income Mix
📅 Monthly Trend
📋 Income Register
No income yet. 🏦 Import bank statement →
↘️ Money Received (Transfers In)
₹0
0 transactions
↗️ Money Sent (Transfers Out)
₹0
0 transactions
💡 Why these are separate: These transactions move money between accounts you control (own/family/loans) — they are NOT real income or expense. Excluding them gives you accurate monthly average income, expense, and savings rate.
⚙️ If a transaction is actually income or expense: Click the "Re-classify" button on that transaction. For example, "Loan from Friend" that you intend to keep (gift) → re-classify to "Other Income".
⚙️ If a transaction is actually income or expense: Click the "Re-classify" button on that transaction. For example, "Loan from Friend" that you intend to keep (gift) → re-classify to "Other Income".
All Transfers
Total Income
₹0
—
Passive Income
₹0
0% of total
Income Streams
0
diversification
FIRE Coverage
0%
passive vs expenses
💵 Income by Type
Add income to see breakdown
🎯 Diversification Scorecard
Add multiple income sources
🧾 Tax Efficiency by Income Type
Add income to see tax analysis per source
📊 Monthly Income Trend
Last 6 months
🔥 Passive Income Tracker & FIRE Progress
📊 Income Growth vs Inflation (6%)
🚀 Income Growth Opportunities
🤖 AI Income Intelligence — ARTHA
Income Intelligence Ready
Click Deep Analysis for: diversification score, passive income ratio, tax efficiency per source, 3 specific growth strategies with rupee targets, and the one income stream most suited to your profile.
Expense Entry
Category
Amount
Frequency
Description
Date
Nature
Tax Deductible?
Recent Entries 0
No expenses yet.
Total Expenses
₹0
—
Annual Run Rate
₹0
—
Essential (Needs)
₹0
0% of total
Tax Deductible
₹0
saves tax
Discretionary (Wants)
₹0
0% of total
Largest Category
—
—
Avg per Transaction
₹0
0 transactions
Highest Month
—
—
💸 Top Categories
📅 Monthly Spend Trend
📋 Expense Register
No expenses. 🏦 Import bank statement →
Total Spend
₹0
—
50/30/20 Score
—
—
Monthly Savings Potential
₹0
if leaks fixed
Tax Deduction Room
₹0
unclaimed
⚖️ 50/30/20 Budget Rule — Live Compliance
Based on your income
💸 By Category
Add expenses to see breakdown
🎯 Essential vs Discretionary
Add expenses to see split
🚨 Top Spending Leaks — Where Your Money Drains
Add expenses to identify leaks
📊 Monthly Spending Trend
Last 6 months
⚠️ Spending Anomalies — This Month vs Average
🔄 Subscription & Recurring Expense Audit
Add expenses to detect subscriptions
🧾 Tax Deductible Expense Tracker
🎯 30-Day Savings Roadmap
🤖 AI Expense Intelligence — ARTHA
Expense Intelligence Ready
Click Deep Analysis for: top 3 spending leaks with exact amounts, 50/30/20 compliance check, specific 30-day reduction plan with rupee targets, and one India-specific saving hack.
50/30/20 Budget Rule
Monthly Income Basis:
50%
Needs — Essential
Housing, food, utilities, transport
0% usedTarget: max 50%
30%
Wants — Discretionary
Dining, travel, entertainment
0% usedTarget: max 30%
20%
Savings and Investments
Emergency, invest, debt payoff
0% savedTarget: min 20%
📊 Budget Targets by Category
Monthly Income:
Add income and expenses to see budget targets
Manage Categories
Click custom category to remove it
AI Budget Analysis
50/30/20 Framework
Add income and expenses. AI checks compliance and gives exact plan.Enter Loan Details
Loan Type
Loan Amount
Interest Rate % p.a.
Tenure (months)
Start Month
Lender Name
No loans calculated yet.
EMI Bifurcation Guide
Principal — Reduces Liability
Repays loan balance. Reduces liability on balance sheet, grows net worth. Qualifies for 80C deduction up to Rs 1.5L/year.Interest — Finance Expense
Pure cost of borrowing. Home loan interest: 24(b) deduction up to Rs 2L/year. Saves substantial tax at 30% slab.AI Tax Tracker
Automatically calculates eligible deductions under 80C and 24(b) based on your loan type. Every rupee of tax saving tracked.⚡ Prepayment Impact Calculator
See how much you save by paying extra every month
Outstanding Balance (₹)
Interest Rate (%)
Remaining Months
Extra Monthly Payment (₹)
📝 Add Investment Manually
Investment Type
Risk Level
Name / Scheme / Symbol
Folio / Account No. (optional)
Amount Invested (₹)
Current Value (₹)
Date of Investment
Expected Return (% per year)
Portfolio Preview 0 investments
Start building your portfolio
Track stocks, mutual funds, FDs, and crypto in one place. ARTHA will analyze your returns and risk.
🏦 Where to Add FD, PPF, Bonds?
Fixed Deposits, PPF, NPS, Bonds — select the type above and add here.
They will appear in your Portfolio under Debt/Fixed Income category and in the Asset Allocation pie.
Tip: For FD, enter: invested = principal, current = principal + interest earned so far, maturity date, and interest rate. AI will track and alert on maturity.
They will appear in your Portfolio under Debt/Fixed Income category and in the Asset Allocation pie.
Tip: For FD, enter: invested = principal, current = principal + interest earned so far, maturity date, and interest rate. AI will track and alert on maturity.
ARTHA PULSE
Market Intelligence by VittSphere
LIVE
NIFTY 50
—
SENSEX
—
NIFTY BANK
—
NIFTY IT
—
MIDCAP 100
—
SMALLCAP 250
—
INDIA VIX
—
🎯 Themes
🚀 Top Gainers
📉 Top Losers
🏆 52W Highs
📌 52W Lows
🔍 Stock Search
⚡ Volume Shockers
📊 Top Volume
🏷️ IPO
📰 News
🏦 FII / DII
Select a theme to explore stocks in that space
24 themes
Monthly SIP Total
₹0
0 active SIPs
Annual Commitment
₹0
Per year outflow
Total Invested via SIP
₹0
Cumulative till date
Next SIP Date
—
No upcoming
🔄 My SIPs
No SIPs added. + Add SIP →
📅 This Month Calendar
No SIPs scheduled
🤖 ARTHA — SIP Advisor
💰 One-Time Investments
No one-time investments added
Total Invested
₹0
—
Current Value
₹0
—
Total Gain / Loss
₹0
—
Absolute Return
0%
XIRR
vs Nifty 50
—
Nifty: ~14% CAGR
Best Performer
—
—
Worst Performer
—
—
Equity : Debt : Alt
—
—
🥧 Asset Allocation
No allocation yet
Add investments to see your asset mix
📊 Portfolio Analysis & XIRR
Add investments with dates to see XIRR
⚖️ Risk Profile & Ideal Allocation
Your Net Worth
NET WORTH
₹0
Add data
■ Assets: ₹0■ Liab: ₹0
Add Asset
Name
Category
Value
No assets
💳 Liabilities / Loans
📌 Add new loans from EMI Schedule tab
That tab calculates the full amortization schedule, enabling auto-bifurcation of every EMI into Interest + Principal — exactly like your bank does.
That tab calculates the full amortization schedule, enabling auto-bifurcation of every EMI into Interest + Principal — exactly like your bank does.
No liabilities
📈 Net Worth Trend
Net worth trend will appear here as data accumulates.
🏆 AI Net Worth Intelligence INDIA #1
🏆 India #1 Wealth Intelligence — Ready
Click "Full Wealth Report" for: Wealth Score (0-100) · FIRE/FI number · Net worth acceleration plan · Tax optimization · Insurance audit · Goal probability · The ONE move that changes everything.Powered by ARTHA™ · India-specific · CA + CFP + SEBI expertise combined
Total Assets
₹0
Real Estate
₹0
Investments
₹0
Other Assets
₹0
Asset Register
No assets. Add via Net Worth →
Total Outstanding
₹0
Monthly EMI Burden
₹0
Annual Interest
₹0
Active Loans
0
💼 Liability Breakdown
No liabilities. Add via Net Worth →
💡 Why Liabilities Matter
Your true net worth = Assets − Liabilities. Most apps only show assets, giving an inflated view.
VittSphere tracks both, so you see real wealth at a glance.
Pro Tip: High-interest debt (Salary Advance, Personal Loan) at 18-30% destroys wealth faster than investments grow it. Pay these off first before SIP.
CA Note: EMI shown above is your monthly cash outflow. The interest/principal split varies every month per the amortization schedule. Upload your repayment schedule (coming soon) for accurate monthly interest expense tracking — useful for Section 24(b) home loan deduction.
VittSphere tracks both, so you see real wealth at a glance.
Pro Tip: High-interest debt (Salary Advance, Personal Loan) at 18-30% destroys wealth faster than investments grow it. Pay these off first before SIP.
CA Note: EMI shown above is your monthly cash outflow. The interest/principal split varies every month per the amortization schedule. Upload your repayment schedule (coming soon) for accurate monthly interest expense tracking — useful for Section 24(b) home loan deduction.
⚡ Smart Goal Templates Auto-personalized from your profile
Financial Independence (FIRE Number)
Target: 25x annual expenses · Quick retire-early metric
₹0 needed
Progress
0%
Add data to estimate timeline
📚 FIRE vs Retirement — Why Both?
🔥 FIRE Number
Formula: 25 × current annual expenses
Meaning: Minimum corpus to stop working TODAY
Assumes: 4% safe withdrawal rate (global standard)
Inflation: Not factored in
Use for: Early retirement (30s/40s), minimalist lifestyle
Meaning: Minimum corpus to stop working TODAY
Assumes: 4% safe withdrawal rate (global standard)
Inflation: Not factored in
Use for: Early retirement (30s/40s), minimalist lifestyle
🌅 Retirement Corpus
Formula: 25 × inflation-adjusted annual expenses at retirement age
Meaning: Corpus needed for traditional retirement (60+)
Assumes: 3% SWR (India-adjusted, longer lifespan)
Inflation: 6% factored in
Use for: Age-appropriate retirement at 55-60
Meaning: Corpus needed for traditional retirement (60+)
Assumes: 3% SWR (India-adjusted, longer lifespan)
Inflation: 6% factored in
Use for: Age-appropriate retirement at 55-60
💡 Your Numbers Example:
💼 Which to target? FIRE is ambitious — achievable only with extreme savings (50%+ rate).
Retirement Corpus is realistic for most professionals. Track FIRE as a stretch goal; plan around Retirement Corpus as the baseline.
ARTHA™ Goal Planning
Get Your Goal Plan
Click ARTHA™ Goal Planning for personalized goals with exact monthly savings targets and timelines.Your Income Sources
We auto-detected your income below from bank data. Edit or add more sources.
Employment / Business Type
Age / Senior Citizen
Total Gross Income
₹0
📅 Advance Tax Tracker
🤖 AI Tax Intelligence
Complete steps 1–3 first
Fill in your income and deductions above, then get a personalized AI tax plan with exact savings in rupees.👤 Your Retirement Profile
Current Age
Target Retirement Age
Life Expectancy
Current Monthly Expenses (₹)
Post-Retirement Lifestyle
Inflation Rate
Expected Investment Return
Annual SIP Step-Up
Existing Retirement Corpus (reduces monthly SIP needed)
EPF / PF Balance (₹)
NPS Balance (₹)
PPF Balance (₹)
Monthly Pension Expected (₹)
🌅
Fill your profile above and click Calculate
📊 Retire at Different Ages — Side by Side
Fill profile to see scenarios
🏁 Savings Milestone Check
Adapted from Fidelity benchmarks for India
Fill profile to see milestones
⚖️ Ideal Portfolio Allocation for Your Age
Fill age to see recommended allocation
🤖 AI Retirement Intelligence
Personalised Retirement Roadmap
Fill your profile above, then click Deep Analysis for year-by-year projections, specific fund recommendations, and a withdrawal strategy built for your situation.
Life Cover
₹0
required: —
Health Cover
₹0
recommended: ₹25L
Annual Premium
₹0
0% of income
Policies Active
0
no policies
Coverage Adequacy
—
life + health gap
Life Cover Gap
₹0
additional cover needed
Tax Saved (80C+80D)
₹0
from premiums paid
Next Renewal
—
—
📊 Insurance Coverage Analysis — Your Situation vs What You Need
✅ Insurance Adequacy Checklist
Save extra ₹2.5–4L/year — legally
A married Hindu/Sikh/Jain/Buddhist family can form HUF — a separate tax entity with its own PAN. Splitting investment income between you and HUF gives you double the basic exemption, double LTCG limits, and surcharge cascade avoidance.
Avg Annual Saving
₹2.5–4L
for ₹50L–1Cr households
Setup Time
14 days
deed + PAN + bank
Setup Cost
₹500
stamp paper + notary
CA Fee Saved
₹15–40K
per year
♾️ Lifetime Quick Actions
Add gifts and loans to your HUF anytime — even after setup is complete
⚡ How HUF Saves Tax — The Three Engines
1. Doubled Basic Exemption
You get ₹4L exempt (new regime). HUF gets a SEPARATE ₹4L exempt. Family combined: ₹8L of zero-tax income.
2. Doubled LTCG Limit
₹1.25L LTCG exemption is per assessee. You + HUF = ₹2.5L LTCG tax-free per year on listed equity.
3. Surcharge Avoidance
Surcharge kicks in above ₹50L. Splitting to HUF keeps both entities below threshold — saves ₹40K–80K/year alone.
🎯 Hidden Plays (5 of 30 documented)
Things 99% of CAs don't tell you
Couple-only HUF is valid
No children needed — HUF can be formed Day 1 of marriage (Narendranath v. CWT, 1969 SC).
Daughter can be Karta
Post-2005 amendment + Sujata Sharma (2016) — eldest coparcener, male or female, is rightful Karta.
Income tracing first-layer rule
Even toxic corpus only triggers clubbing on first-layer income. Reinvested earnings are HUF's own.
Karta loan to HUF (no clubbing)
Karta can lend to HUF at fair interest — no clubbing, principal gets invested in HUF's name.
Multiple self-occupied homes
Family can hold up to 4 self-occupied homes (2 in your name, 2 in HUF) without deemed-rent tax.
📅 Monthly
📊 Quarterly
📋 Annual
🧾 Tax Summary
💹 Cash Flow
Monthly Personal Finance MIS
Auto-compiled from your data · VittSphere ONE
PERSONAL CFO
Income
₹0
Expenses
₹0
Savings
₹0
Savings Rate
0%