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Money has a mood.
Build yours.

Vybe is a calm, playful home for your money. Retirement, FIRE, tax, gratuity, rent vs buy — everything open, everything alive. No login. No uploads.

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🌱 SPROUT · LVL 3

20 modules · Dashboard · Retire · FIRE · Cashflow · Expenses · Tax · Portfolio · Stocks · MF · XIRR · Banking · Cards · Documents · Life

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◐ 02 · PLANNER

All your money, one calm surface.

Tap a tab to switch. Home, Plan, Track, Discover, More — twenty modules from allocation and retirement drawdowns to expenses, cards and documents. Everything lives on your device.

🏠

Dashboard

Everything at a glance

Net worth
₹9.00 L
Assets ₹9.00 L · Debts ₹0
Saving / mo
₹85k
57% of income
Health score
85
Out of 100
SIP running
₹27k
4 funds

Money mood

Streak
🔥 12 days

Runway

2.3
months of expenses in cash
Target: 6 months
📋

Overview

Every number that matters on one page

Assets
₹9.00 L
Liabilities
₹0
Net worth
₹9.00 L
Monthly SIP
₹27k
Blended return
9.3%
Across all asset classes
Retirement corpus need
₹8.72 Cr
Projected at retirement
₹8.97 Cr
Tax (new)
₹1.51 L
Effective 8.4%
Tax (old)
₹2.81 L
Effective 15.6%

All data stays on this device · legacy full-screen version ↗

01Presence

Your wealth, atmospherically.

Check in like you would with a friend. Vybe reads the room.

How are you feeling today?
Radiant
FIRE streak
124 days

Calm days build wealth. Your SIP is doing the quiet work.

Wealth Score
782
higher than 87% of people aged 25–35
last 9 weeks →
You are a
Freedom Seeker
🏹
Hunter
🌱
Sprout
🏰
Builder
💎
Seeker
👑
Legacy
02Flow

Follow the current.

Every rupee has a destination. Drag the sliders — the map redraws instantly.

Monthly income
₹1,20,000
Left for vybes
₹24k
Saving
35%
SIP · Investing₹42k35%
Rent · Roof₹30k25%
Essentials₹24k20%
Vybes · Fun₹24k20%
₹1,20,000
35%
25%
20%
💡At 35% saving, you'll hit financial freedom about 15 years from your first paycheck. Every 5% up shaves years off.
03Freedom

Can I quit working?

Solve for the day work becomes optional. Slide, don't scroll.

You reach freedom at
43.10
That's 15.8 years — about 5,779 sunrises from now.
FIRE corpus
₹1.80 Cr
Passive/mo
₹60k
TARGETYear 0Year 15
28
₹60,000
₹30,000
₹5.00 L
11%
4%
🔥
30-day SIP
streak
🛡️
6-month buffer
unlocked
🌿
No impulse buy
12 days
📈
Tax filed
on time
🏆
Wealth score
782
04Toolkit

A preview of the toolkit.

These are quick tastes. The full planner has 20 modules — allocation, retirement drawdowns, portfolio, expenses, credit cards, documents and more.

A · Grow

Compound your money

See what monthly investing turns into — and how much you need to hit a number.

SIP · Future value
You'll have ₹1.29 Cr
Invested: ₹57.19 L · Growth: ₹71.78 L
₹15,000
15 yrs
12%
10%
Goal · Required SIP
Save ₹20k/mo
to reach ₹1.00 Cr in 15 years
₹1.00 Cr
15 yrs
12%
Lump-sum · Compound growth
Grows to ₹15.53 L
from ₹5.00 L today
₹5.00 L
10 yrs
12%
B · Flow

In, out, and the runway

Get the take-home right, protect the buffer, claim what's yours.

HRA · Tax exemption
Exempt ₹2.04 L/yr
Monthly: ₹17k · least of three rules
₹50,000
₹20,000
₹22,000
City
Emergency fund runway
2.0 months covered
Target: ₹3.60 L for 6 months
₹60,000
₹1.20 L
C · Tax

Pay the right amount

Regime comparison, capital gains, quick take-home — no CA needed.

Tax · new regime
Quick tax check
🧾
Tax due
₹98k
Effective
6.5%
₹15,00,000
Assumes new regime, ₹75k standard deduction, ₹60k rebate under Sec 87A up to ₹12L. Add cess 4%.
Old vs New regime
New saves ₹68k
New regime
₹98k
Old regime
₹1.65 L
₹15,00,000
₹1.50 L
₹25k
₹1.20 L
Capital gains tax
Pay ₹22k
LTCG @12.5% above ₹1.25L (FY24-25 onwards)
Asset
Term
₹3.00 L
D · Loans & Home

Borrow smarter, own sooner

EMIs, prepayment shortcuts, deposits, and the great rent-vs-buy debate.

Loan · EMI
₹27k/mo
Total interest: ₹33.63 L · Total: ₹63.63 L
₹30.00 L
8.75%
20 yrs
Prepayment impact
Close 6y 5m sooner
EMI ₹27k + extra ₹5k/mo
₹30.00 L
8.75%
20 yrs
₹5,000
FD maturity (quarterly)
Matures at ₹6.20 L
Interest: ₹1.20 L
₹5.00 L
7.25%
3 yrs
Real estate · rent vs buy
The home equation

Buy the flat, or invest the difference and rent? Watch the two paths race for 30 years.

Verdict
Rent wins 30y
Y1Y30
Buy (net equity) Rent + invest
EMI
₹56k
Rent (yr 1)
₹25k
Down payment
₹16.00 L
Buy @ Y30
₹3.46 Cr
₹80.00 L
20%
8.5%
20 yrs
₹25,000
6%
5%
11%
E · Life

Cover the what-ifs

Gratuity, term life, and how long your retirement will actually last.

Gratuity · Payment of Gratuity Act
Your farewell cheque
🎁
You'll receive
₹2.77 L
₹80,000
6 yrs
Formula: (last salary × 15 × years) ÷ 26. Tax-free up to ₹20L.
Term-life cover gap
Gap of ₹1.43 Cr
Ideal cover: ₹1.93 Cr (12× income + debts)
₹1,20,000
₹20.00 L
₹50.00 L
Retirement drawdown
Corpus lasts 36 yrs
Spending ₹80k/mo, growing 6%/yr
₹2.00 Cr
₹80,000
9%
6%
The full planner

Want everything? Open Vybe Planner.

Twenty modules organised into five tabs — Home, Plan, Track, Discover, More. Allocate monthly savings across asset classes, tune returns per asset, run multiple FIRE numbers, review portfolios, log expenses, cards & documents.

Launch the planner →
05Celebrate

Your year, wrapped.

Because progress deserves a poster.

Vybe Wrapped · 2026for @you

You were a
Freedom Seeker.

Net worth grew
+24.2%
Tax saved
₹84,200
FIRE days closer
148
Top spend mood
Stressed ⚠️
🧓
Future me
At 60, you're sitting on ₹12.85 Cr.

If you keep investing ₹30,000/mo at 12% return from age 28.

60 yrs
🧭
Understand

Net worth, mood, spending patterns — read at a glance.

🌱
Improve

FIRE, tax, insurance gaps, daily nudges you actually enjoy.

🎉
Celebrate

Streaks, wrapped, badges, shareables. Money made joyful.