What is your number?

Know exactly how long your family could manage if income stopped today. 6 minutes. No account. Just the truth.

Quick 60-second check
Monthly household income
₹
Total expenses + EMIs per month
₹
Liquid savings right now
₹
Ritual Money app showing family safety score
3 in 4
Indian households have no meaningful emergency cushion
6 min
That is all it takes to know your household's exact number
₹0
Cost. Free forever. No subscription. No hidden charges.

How it works

Six questions.
One number. Your truth.

The app asks six simple questions about your household. No bank login. No forms. You type the numbers, it calculates what they mean for your family's safety.

01

Life stage

Tell us where you are — independent, newly married, growing family, established household. This lets us compare you to similar families across India.

02

Income + EMIs

Your take-home salary, any other income, and all monthly loan payments. Home loan, car loan, personal loan — all of it. You type the number, we calculate.

03

Your score appears

After expenses, investments, and savings — your resilience score appears. In months. In days. With a clear plan for what to do next. That is the whole product.

The question nobody wants to ask

What if you lost
your job tomorrow?

Most families never think through this scenario. We built a tool that does it for you — with your actual numbers. Month by month. What gets paid. What gets paused. How long you can manage.

Uses only your household's actual numbers
Shows what to pay, pause, and cut — specifically
Not scary — clarifying. A plan beats panic.
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What-if calculators

Small decisions.
Real impact.

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.

The food delivery question

If your family cooks at home more and orders online food less — how many days of family safety do you gain per year?

Monthly food delivery₹3,000
Reduce by50%
₹1,500
saved / month
₹18,000
per year
+13 days
safety gained

The EMI payoff day

When your loan ends, that money becomes free every month. See exactly what that day means for your family's stability score.

Monthly EMI₹12,000
Months remaining18 months
₹12,000
freed / month
+8.6 mo
score jump
Oct '27
freedom day

The grocery swap

Switching 3 branded items to store brand saves ₹50-200/day. That sounds small. Over a year it becomes real family safety.

Daily saving on groceries₹50/day
₹1,500
per month
₹18,250
per year
+13 days
safety gained

Starting a SIP today

A small monthly SIP builds wealth and cushion together. See how even ₹1,000 a month compounds your family's resilience over time.

Monthly SIP amount₹3,000
₹38K
after 1 year
₹1.3L
after 3 years
+0.9 mo
in 1 year

Build your emergency fund

Brick by brick.
Your family's fortress.

The emergency fund feels impossible because the number is large. Break it into bricks — ₹5,000 each. Watch the wall grow. Feel the progress.

Your emergency fortress
Target: 3-month foundation · 24 bricks · ₹5,000 each
7 / 24
Brick savedBrick remaining
Foundation — Month 1 of 3
₹35,000 saved of ₹1,20,000 foundation. ₹85,000 to go.
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Why we built this way

Your finance.
Your device.
Your control.

We made three deliberate choices when building RitualMoney. Each one is a constraint we imposed on ourselves — because trust has to be built in, not added on top.

Your numbers stay on your phone.

Every calculation runs on your phone. The income, expenses, and savings you enter are never transmitted to us — not during calculation, not in the background.

No account. By default.

You never need to create an account to use the app. You open it, enter your numbers, and get your score. No sign-up, no email, no phone verification — nothing. If we ever offer optional accounts for features like multi-device sync, we will tell you clearly what we collect and why, before you decide.

No ads. Not now, not planned.

We will not sell your attention to advertisers. If we ever earn a referral fee for recommending a product — an insurance plan, a savings account — we will say so clearly before you click anything. Your trust is worth more than a hidden commission.

What this means technically
No analytics in the app. We do not track which screens you visit, how long you spend, or what you tap.
No crash reporting tools. Your data never leaves your device even in error logs.
2 permissions currently — notification reminders and restart scheduler. We do not access contacts, SMS, camera, or location.
Core features work completely offline. No internet connection needed to calculate your score, track savings, or use the Impulse Shield.
We have disabled automatic cloud backup so your financial data stays on your device only.
We welcome independent security reviews. Credible researchers can reach us at privacy@ritualmoney.com.

From real households

What people say
when they see their number

Real reactions from 50+ Indian households
We are collecting honest reactions from real families who tested the app. Not polished testimonials — real sentences. Coming in a few days.

The RitualMoney Promise

Your finances are yours. Not ours.

We do not track you. We do not sell data.
We do not require you to log in.

Our only goal: help you understand your stability —
calmly, clearly, and privately.

Your data. Your device. Your control.

Your financial data
Never collected or uploaded
2
Permissions — both optional
₹0
Core features, free forever. No hidden charges.

Download free

Know your number.
Protect your family.

Join Indian households who are finally asking the right question about their finances — and building toward real safety, one brick at a time.

Get it on
Google Play
Coming soon
Download on the
App Store

All calculations run locally on your device. We never see your financial data.