🏦
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
Add investments to see mix
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
or click to browse files
PDFCSVXLSXLSX
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 →
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
No investments yet
🏦 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.
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
Add investments to see allocation
📊 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
Add Liability
Name
Category
Outstanding Amount
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 AI · 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 Liabilities
₹0
Loans
₹0
Credit Cards
₹0
Other
₹0
Liability Register
No liabilities. Add via Net Worth →
⚡ Quick Goal Templates
Emergency Fund (6 months expenses)
Target: 6x monthly expenses in liquid savings
₹0 needed
Progress0%
Add income and expenses to calculate
Financial Independence (FIRE Number)
Target: 25x annual expenses
₹0 needed
Progress0%
Add data to estimate timeline
AI Goal Planning
Get Your Goal Plan
Click AI 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
📅 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%
Generate Your Monthly MIS
Click Generate Full Report. AI compiles a complete monthly financial report with executive summary, income analysis, expense breakdown, investment update, tax deductions, and next month action plan — all using your actual data.