9 battle-tested personal finance decision engines consolidated into a 100% client-side, zero-permission, air-gapped Android application for Indian households.
🔒 Google Play Closed Test: Step 1: Opt in as a tester. Step 2: Install on Google Play. To join the test list, email us with "YES" at nalkudilstudio@gmail.com.
Getting Started
Zero sign-in, zero cloud accounts, zero configuration delays. Pure local setup in 30 seconds.
Input your monthly take-home salary, EPF/NPS contributions, and emergency reserves to unlock your instant Financial Health Score.
Set up existing home loans, car loans, gold loans, and physical locker precious metal quantities.
Protect your private financial data using Android Keystore hardware biometrics.
Complete Engine Suite
Pure deterministic Kotlin algorithms executing directly on your phone's processor.
True net in-hand cashflow, fixed commitments, living cost multiplier, and 0–100 Financial Health Scorecard.
50/30/20 Indian household envelopes with 21 local expense categories (maid, cook, milk, fastag, chit fund).
Statutory EPF monthly compounding, NPS 60/40 tax-free annuity split, and Rule 9D advisory for high earners.
Hallmarked 22K (916) / 24K pricing, net stone deductions, VA making charges, 3% GST, and Pavan/Tola units.
RBI 75% statutory LTV ceiling, 30-day moving average pricing, margin call simulator, and 3 repayment methods.
3% GST and spread drag analysis, July 2024 revised tax brackets (12.5% LTCG after 24 months), and SGB tracking.
Cumulative reinvestment, periodic payout, Section 194A TDS reconciliation at ₹50K / ₹1L senior thresholds.
Exact Indian Banks' Association (IBA) quarterly compounding formula with 12-month block tax reconciliation.
Reducing balance amortization with extra monthly EMIs, annual step-ups, lump-sum prepayments, and crossover milestones.
High-resolution 4:5 social share cards generated 100% on-device via native Canvas without external APIs.
Hardware-level protection using Android Keystore with instant background blur masking.
Zero network permissions in AndroidManifest.xml. Sahi is technologically incapable of leaking data.
FAQ
android.permission.INTERNET from its manifest. It operates 100% offline, anywhere in the world, with zero connection to the outside web.Co-Create the Future
Sahi is built with Indian households. Have an Indian tax nuance, retirement scenario, or calculation engine you want added? We build community suggestions directly into the app.
Every proposal is read directly by the Nalkudil Studio team.