# Know Your Finance India — smartest financial companion

> smartest financial companion (iPhone/iPad app by Getravs Technologies Private Limited.)

- Source: https://appshunter.io/ios/app/know-your-finance-india/id6753757300 (this page in markdown: same URL + `.md`)
- Developer: [Getravs Technologies Private Limited](https://appshunter.io/developer/1812182036)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 18 · 14 MB
- Languages: English
- Released: 2025-10-08
- Data updated: 2026-07-02
- User reviews in markdown: https://appshunter.io/ios/app/know-your-finance-india/id6753757300/reviews.md

## What is Know Your Finance India?

Know Your Finance is a privacy-first Indian finance app for iPhone. Track expenses, budgets, net worth, and goals; plan EMIs, SIPs & taxes; run What-If analyses; and compare up to 5 scenarios fully offline with a fast SwiftUI design.

Highlights

India-ready tools (24): EMI, Tax (New vs Old), Crypto Tax (30% + 1% TDS), PPF, EPF, FD, HRA, NPS, XIRR, CAGR, Break-even, Compound Interest,Experimental: Smart Asset Allocator, Money Time Machine.

Scenario Planning: Save 5 scenarios per planner, name & note them, compare side-by-side with Best/Worst and ↑/↓ visual diff indicators.

What-If Calculator: Instantly see impact (e.g., increase SIP by 20%, prepay ₹1L on loans) with color-coded differences and Best/Likely/Worst outcomes.

Financial Health Score (0–100): 6 components (Budget, Net Worth, Goals, Tracking, Savings, Investments) with breakdown, tips & donut charts.

Income Tracking: 9 sources (Salary, Freelance, Business, Rental, Interest, Dividends, Capital Gains, Pension, Other), summaries, salary-hike tracking & reminders.

ML-assisted insights: NaturalLanguage for auto-categorization, spending pattern detection, anomaly alerts, and personalized recommendations—on device.

Education & Wisdom: 25+ beginner lessons, 39 curated quotes (Buffett, Munger, Bogle, Dalio, Ramit, Naval & more), India-specific guidance (PPF/EPF/80C/80D).

Portfolios: 11 investor portfolios (Buffett, Dalio All-Weather, Lynch, Bogle, Graham, Munger, Jhunjhunwala, Damani, Prashant Jain, Typical Indian, Salaried Pro) with age-wise allocation & key lessons.

Why you’ll love it

Offline-first & private: Core Data on device. No bank linking, logins, or ads.

Thoughtful UX

iOS 17+ SwiftUI with Charts, haptics, animations, dark mode, Dynamic Type & VoiceOver.

Spotlight search for all calculators; history (50 results/tool); Recent Calculators on dashboard.

Auto-formatted inputs (₹10,00,000), quick input chips, interactive charts & tooltips, export results as Text/Image/PDF

New in Learn / Cards Hub: Read Credit Card Guides inside the app with a clean, native reader plus a “Recent Articles” section to browse quickly. It’s designed to stay simple: fast to open, easy to skim, and useful even when you just need the key points.

Disclaimer: Educational planning only verify critical decisions with a qualified advisor. Official rates/rules (e.g., PPF/EPF, Crypto Tax) may change per official notifications.


## Version history (last 5 releases)

### 2.1 — 2026-06-13

makes KnowYourFinance feel fresher, clearer, and more private.

### 2.0 — 2026-02-19

Version 2.0 — Major Update

- Finance Labs: New experimental tools ,Money Time Machine, Smart Asset Allocator, Correlation Matrix & more
- Challenges: Track savings goals with weekly & monthly financial challenges
- 250+ Credit Cards: Complete database with lounge access finder, spend-based ranking & upgrade paths
- Rupy AI Tips: Contextual financial tips from your mascot, tailored to your activity
- Navigation fixes: Faster, smoother screen transitions throughout the app
- Dynamic card counts & real-time wallet sync
- Performance improvements and bug fixes across all calculators

### 1.9 — 2026-02-08

credit cards with side-by-side comparison
-Lounge Finder: sort by total lounges, domestic, international, or lowest fee
-Improved Ui/UX 
-Bugs Fixed

### 1.8 — 2026-02-02

Dashboard & Search Polish + Cards Hub

Tools Search (new): Search and filter calculators by name (e.g., “sip”, “lumpsum”) inside Tools.

Finance Labs polish: Removed placeholders for a cleaner, production-ready Labs experience.

Cards Hub (new): Added Credit Card Guides with a native reader, “Recent Articles” horizontal scroll, and a richer article detail view.

### 1.6 — 2025-12-07

Read Insightful Articles :Learn, even offline: Save articles to read later; browse Finance Basics and Financial Wisdom inside the app.
Cross-Feature Linking: UserFinancialProfile auto-fills age, savings, risk, and net worth across features with “Linked/Synced” banners.
UI Polish: Dark-mode gradients, refined progress bars, beautiful empty states, and a cleaner dashboard with StreakWidget + CrossInsights
Money Time Machine (Wizard): 3-step setup
Local Analytics (Private): On-device usage heatmaps, weekly bars, and feature stats no data leaves your phone

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## More apps by Getravs Technologies Private Limited

- [Ideationplay](https://appshunter.io/ios/app/ideationplay/id6753613955)

All apps by Getravs Technologies Private Limited: https://appshunter.io/developer/1812182036

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-02.*