🇮🇳 Built for India

Your personal financial brain — finally understands your money

Wealto remembers your salary, SIPs, loans, and insurance. Ask anything. Get answers that know YOUR numbers.

✓ Free to start · ✓ No bank linking required · ✓ India-specific advice

Ask Wealto

AI-powered
Should I start a SIP or pay off my home loan first?
Given your ₹1.9L salary and ₹1.21L in EMIs, your debt ratio is 63% — above the safe 40% limit. Focus on loans first: prepay the UCO loan (7.3%) before starting SIPs. Once ratio drops below 40%, start a ₹10k/month SIP in index funds. This saves you ~₹4.2L in interest.
What about my emergency fund?

Trusted by salaried professionals across India

PepsiCo · TCS · Infosys · Wipro · HDFC Bank

Most Indians earn well. Few understand their money.

📄

Documents you don't understand

Salary slips, insurance policies, loan statements — dense, confusing, ignored.

🤖

Generic AI doesn't know you

ChatGPT gives advice for a fictional average person. Not for your salary, your loans, your situation.

💸

CAs are expensive and unavailable

A good CA costs ₹5,000+ per session. Wealto is ₹199/month and available 24/7.

Three things Wealto does that free AI tools can't

Net Worth
₹18.5L
Assets ₹28.7L − Liabilities ₹10.2L
72
Financial Health Good shape — room to improve
⚠️ Emergency fund covers only 0.8 months. Aim for 3+ months.
01

Remembers your complete financial picture

Set up your profile once. Wealto tracks your salary, EMIs, SIPs, insurance, and emergency fund — and keeps it all in context every time you ask a question.

  • Net worth calculated automatically
  • Financial health score with specific gaps
  • Personalised alerts (not generic tips)
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Salary_Slip_Jan2026.pdf
Uploaded · 2.3 MB

✓ Analysis Complete

CTC: ₹23.4L • Take-home: ₹1.52L/mo
Flexi benefits: ₹80k unutilised — use by March 31
PF contribution: 12% employer + employee = ₹2.8L/year

02

Analyses any financial document instantly

Upload your salary slip, insurance policy, or loan statement. Wealto reads it, explains every figure, and tells you what to actually do.

  • Understands CTC vs take-home vs flexi benefits
  • Flags red flags and action items
  • Tax implications explained in plain language
Should I claim HRA or home loan interest?
You can claim BOTH — they're not mutually exclusive. Based on your ₹1.9L salary, ₹42k rent, and ₹28k EMI:

• HRA exemption: ~₹35k/mo
• Home loan interest: Up to ₹2L/year under 80C

Combined tax saving: ~₹1.8L/year in your 30% bracket.
03

Answers questions that know YOUR numbers

Ask 'Should I prepay my loan or invest?' and get an answer based on your actual interest rate, your actual salary, your actual investment returns.

  • Knows your documents AND your profile
  • Remembers conversation context
  • India-specific: PF, HRA, 80C, GST, NPS

Simpler than a CA. Smarter than a chatbot.

FREE
₹0/forever
  • Financial profile setup
  • 3 AI chat messages
  • 1 document analysis
  • Financial health score
  • Unlimited AI chat
  • Unlimited documents
  • Weekly digest
Get started free

What people are saying

(Early access feedback)

⭐⭐⭐⭐⭐

"I had no idea my flexi benefits were use-it-or-lose-it. Wealto caught this in my first salary slip upload. Saved me ₹80,000 I would have just left on the table."

— Priya M., Software Engineer, Bengaluru

⭐⭐⭐⭐⭐

"Finally an AI that doesn't give me American financial advice. It knows about PF, HRA, 80C — all the India-specific stuff that actually matters."

— Rahul K., Product Manager, Hyderabad

⭐⭐⭐⭐⭐

"My CA charges ₹8,000 for a session. Wealto answered the same questions in 30 seconds for ₹199/month. I still use my CA for filing — but for day-to-day questions, Wealto is enough."

— Ananya S., Marketing Lead, Mumbai

Start understanding your money today.

Free to start. No bank linking. No credit card required.