Why we built this

The problem with most financial advice

Most Indian financial tools either tell you nothing useful ("save more money") or give you Western advice that doesn't map to Indian realities — different salary structures, different investment habits, different safety nets, and an economy where a job loss can hit very differently than in countries with unemployment benefits.

The advice that actually helps is specific: given your salary, your savings, and your monthly commitments, can you actually afford this purchase right now — and if not, what needs to change?

What makes this different

Investments are treated as commitments, not savings. Your SIP, PPF, and RD aren't optional. They're obligations you've made to your future self. Most calculators lump them with general expenses or ignore them entirely. We separate them out so your monthly surplus is accurate.

Emergency fund is measured correctly. In a real emergency, your investments pause. So we measure emergency cover as savings divided by expenses only — not expenses plus investments. This gives you a realistic picture of your actual runway.

The answer is honest. We don't just say Yes or No. When the answer is No, we show you exactly what the gap is and three ways to close it — save more, go EMI, or buy a lower-cost version. Because the goal isn't to stop you from buying things. It's to help you buy them without damaging your financial health.

Who built this

This site was built by an individual in India who got tired of generic finance advice that doesn't account for how most urban Indians actually earn, spend, and invest. It's a side project — free, no sign-ups, no data collected, no agenda beyond being genuinely useful.

The calculator, the buying guides, and the affordability logic are all built from scratch for the Indian context. Feedback and suggestions are welcome — if something doesn't reflect your financial reality, it should be fixed.