FinancePal vs Zeroed

FinancePal is a personal finance planning app built specifically for Indian salaried professionals. Enter your CTC and see your real take-home — after tax, EPF, and every deduction — in seconds. INCOME & TAX - Full FY 2025-26 tax calculation for both New and Old regimes - Automatic regime recommendation — see exactly which regime saves you more and by how much - EPF impact on take-home clearly shown - Surcharge, marginal relief, 87A rebate, and 4% cess — all calculated correctly EXPENSES & SAVINGS - Track monthly expenses by category - Plan one-time future expenses (home, travel, car) by financial year with funding source allocation - See your annual cash savings and wealth created each year INVESTMENTS & PORTFOLIO - Track SIP investments with projected corpus at weighted returns - Enter your starting portfolio — equity, debt, EPF, PPF, gold, real estate - Net worth dashboard with liabilities 20-YEAR WEALTH FORECAST - See your financial life projected 20 years forward - Annual cash flow waterfall — income, expenses, savings, and investments in one view - Portfolio growth by asset class with constituent level detail - Key milestones — set your own income, savings, and portfolio targets and see which year you'll hit them - One-time expenses automatically reduce forecast savings in the right year PRIVACY FIRST - All data stored on your device — nothing sent to any server - Optional iCloud sync to your personal account only - No ads, no analytics, no data collection of any kind FinancePal is free. No subscriptions required to access any core feature.

Zeroed turns your balances, interest rates and monthly budget into a clear debt payoff plan. Compare strategies, simulate extra payments, and see how today's choices are estimated to change your debt-free date — before you make them. KNOW WHAT TO PAY, AND WHY Your plan suggests a next move for this month — which debt, how much, and why — so you're not guessing whether to pay down the card or the loan first. SEE YOUR DEBT-FREE DATE A month-by-month estimate shows your balance shrinking to zero, with every milestone — each debt cleared, each payment released — along the way. ASK "WHAT IF?" What if I paid £100 more a month? What if I put a £1,000 windfall toward my debt? What monthly budget could clear everything by a date I choose? What would a new £4,000 loan actually cost me in interest? Every scenario estimates the effect on payoff time and interest before you act. FIND YOUR PERFECT STRATEGY Slide between saving the most interest and clearing debts the fastest, and watch your plan recalculate live. Or choose from five named strategies: Cheapest, Quick Wins, Fastest Closures, Cash Flow, or Balanced. PROTECT YOUR 0% OFFERS Zeroed watches promotional rates and estimates whether your current plan clears a balance before its standard rate returns — plus the monthly payment needed to meet that date. PRIVATE BY DESIGN No bank login. No account required. Your financial information stays on your device — never uploaded, never sold, never seen by anyone but you. Zeroed provides planning tools and estimates based on the numbers you enter. It isn't a bank, and it doesn't offer regulated financial advice.