Loading…
Loading…
NiyamFin - financial health & decision tools for India
Check savings, emergency reserves, debt, retirement and protection in about four minutes - using rough numbers that stay in your browser.
About 4 minutes · Rough numbers are fine · No PAN · No Aadhaar · No bank connection
Emergency Fund
Home Buying Planner
A bank may test whether it can lend. NiyamFin tests whether the home still looks comfortable after EMI pressure, upfront cash, and emergency savings.
Retirement Readiness Planner
Model EPF, NPS, employer superannuation, pension income, and other retirement assets together instead of checking one corpus number in isolation.
My Money Plan
Keep a home purchase, EMI estimate, or retirement scenario locally so the next decision starts from your own numbers.
How NiyamFin works
NiyamFin keeps education, calculations, optional partner actions, and specialist help as separate steps. Results stay independent even if a disclosed commercial route is added later.
Learn what the decision actually changes before entering numbers.
Use your own household figures privately in browser-first tools.
Where legally reviewed partner options are available, you may choose to explore them with clear disclosure.
Where an appropriate specialist route is available, you may request help instead of guessing alone.
Decisions
Test household affordability before treating lender eligibility as approval to proceed.
Compare EPF, NPS, pension income, and marked assets against a realistic retirement need.
Estimate cover before comparing insurance products.
Check whether EMIs are crowding out savings and safety.
See tax and take-home impact before planning cash flow.
Supporting calculators
Learn
A simple way to measure financial health using net worth, emergency cover, debt load, savings ratio, insurance gap, and retirement readiness.
Estimate a comfortable EMI from your salary in India. See planning ranges, lender FOIR practice, existing EMI impact, rate-hike buffer, and calculator links.
How to estimate retirement corpus in India using expenses, inflation, life expectancy, and post-retirement return assumptions.
For Employers
Offer employees a private check-up and educational calculators without asking them to share salary slips, PAN, Aadhaar, or bank access with NiyamFin.
Trust & transparency
NiyamFin's calculations, scores and educational conclusions are not influenced by commercial relationships. If NiyamFin may earn from a partner action, that relationship is disclosed before you choose it.
Frequently asked
Ready when you are