Personal Finance Tracker
Your personal finance
tracker. Private by default.
SailToFuture's personal finance tracker gives you the full picture — net worth, budget, SIP investments, EMI loans, subscriptions, tax regime calculator, and insurance — all without linking your bank account. You enter the numbers; you own them completely.
Everything in one place.
Net worth tracker
See your total assets minus liabilities in real time. Track net worth velocity — how fast it's growing — and plot the trend week by week.
EMI & loan calendar
Every loan and EMI on a timeline. See upcoming due dates, total outstanding, and payoff projections side by side. Debt snowball or avalanche — your choice.
Subscriptions
Log every active subscription with its renewal date, cost, and category. Track subscription ROI — are you actually using what you're paying for?
Budget & categories
Set monthly limits per category. A real-time budget bar shows how much you've spent and what's left. Over-budget alerts surface before you hit zero.
SIP & investments
Track your SIP contributions, expected returns, and corpus growth. Log mutual funds, FDs, and stocks in one portfolio view.
Tax planning
Visualise your tax slab, project your liability, and see which investments reduce your tax burden. India-specific: 80C, 80D, HRA, and old vs. new regime comparison.
Insurance tracker
Log every policy — health, life, vehicle, term. See premium due dates, coverage amounts, and nominee details in one place. No more missing renewals.
Emergency fund
Set a target (3×, 6×, or 12× monthly expenses). Track your progress toward it. The tracker shows how many months of expenses you're currently covered for.
Track your SIP investments — no broker access needed
Log every SIP contribution, track NAV growth manually, and see your mutual fund portfolio build over time. No Zerodha login, no Groww integration — just your numbers, private on your device.
Old vs New Tax Regime — compare in seconds
Enter your income and deductions — SailToFuture instantly shows which regime saves you more. No CA needed, no spreadsheet required.
Built for India
Finance tools that understand
how India works.
SailToFuture includes calculators and trackers built specifically for Indian financial instruments and tax rules — not adapted from a Western template.
Whether you're tracking a SIP started three years ago, planning your 80C deductions, or figuring out whether the old or new tax regime suits you better — it's all here.
Your AI financial advisor.
Ask your AI companion anything about your finances. It has full context — your income, spending patterns, loans, and savings goals — and gives you specific answers, not generic advice.
Looking for a YNAB alternative that works in India? SailToFuture supports INR, SIPs, EMIs, old vs new tax regime, and 80C deductions — everything YNAB doesn't. Built from the ground up for Indian personal finance.