Built differently
The reality
Simple by design
Income, expenses, savings. Sixty seconds.
Your exact runway, in days. The number you've been avoiding.
Daily save rituals that add days to your safety.
Everything included
How many days your family is protected, updated daily.
When things go sideways — job loss, medical bill, big expense — see exactly what to pay, what to pause, and what to cut. A plan beats panic.
Home, child, retirement, sabbatical, and five more.
The amount that lets you walk away from the 9-to-5. Most people never calculate it. Yours takes a minute.
See the gaps most Indians have. Employer health cover that ends with your job. Parents without insurance. The bills that wipe out savings.
All data stays on your device. No accounts, no servers.
Built for India
Parental support. EMIs. Gold and ancestral land. Weddings. Joint families. EPF. Festival obligations. RitualMoney is built for how Indian families actually hold money — not a translated Western retirement calculator.
A different kind of app
RitualMoney wants you to be safe.
Every notification from your bank is designed to get you to swipe again. We only send you one thing — how many days of protection you have.
We sell you nothing.
There are no mutual fund commissions, no insurance referrals, no "personalised" offers here. The app is free and the business model will never be your attention.
We protect your future.
Knowing you spent ₹3,400 on dining last month is interesting. Knowing your family has 47 days of protection is life-changing.
Free tools
What-if calculators
See how everyday household choices compound into actual days of safety for your family. Small daily decisions compound into real family safety. ₹100 saved today matters more than it looks.
If your family cooks at home more and orders online food less — how many days of family safety do you gain per year?
When your loan ends, that money becomes free every month. See exactly what that day means for your family's stability score.
Switching 3 branded items to store brand saves ₹50-200/day. That sounds small. Over a year it becomes real family safety.
A small monthly SIP builds wealth and cushion together. See how even ₹1,000 a month compounds your family's resilience over time.
Build your emergency fund
The emergency fund feels impossible because the number is large. Break it into bricks — ₹5,000 each. Watch the wall grow. Feel the progress.
Free forever. No account needed. Works offline.