📊
Mutual funds & SIPs
Live NAV every day. Each SIP instalment priced at its own date’s NAV, and a missed month is caught.
Live NAVSafe to Spend
Your balance isn’t your spending money.
It still counts rent you haven’t paid, bills already due and money you meant to save. Follow the same ₹80,000 all the way through.
- What your bank shows
Your balance says ₹80,000.
One number for everything in the account — including money that already belongs to somebody else.
- Already spoken for
You set ₹15,000 aside.
For rent, an emergency fund, a trip goal. It never leaves your bank — it just stops being counted as spendable, so you don’t spend it twice.
- Already committed
₹12,000 of bills are due.
The card statement, an EMI, electricity. Dated, known, and leaving within the month.
- The number that matters
₹53,000 is actually yours.
That is Safe to Spend — what is left once everything already promised is taken out. It is the figure your bank will never show you.
- What is coming
Salary lands: ₹85,000.
Filed under the month you earned it, not the day the transfer cleared.
- And what goes out
Another ₹30,000 is committed.
Bills, card dues, your SIPs, and the day-to-day spending you typically do — estimated from your own median month, never an average.
- Where you land
₹1,08,000, projected.
Every line labelled actual, expected or estimated — so you know which parts are certain and which are an estimate.