freedom /wise
Money is a means.Freedom is the goal.We do the math.You make the call.
Built in India
Trusted by professionals
0
members
Money is a means.Freedom is the goal.We do the math.You make the call.
The navigation system for personal finance in India. Deterministic projections. AI insights. Zero noise.
Freedomwise is a deterministic financial planning platform built for India's salaried middle class. It combines portfolio tracking across stocks, mutual funds, NPS, PPF, EPF, ELSS, gold, real estate, and crypto with a single Freedom Score that grades your financial life on a −100 to +100 scale across seven tiers from Survival to Legacy. The Score breaks down into three components: FI Progress, Compounding Quality, and Resilience. All projections run on Monte Carlo simulations across 1,000 market paths using your own inflation and return assumptions, never hardcoded defaults. Freedomwise is an educational tool, not a SEBI-registered investment adviser; the AI advisor narrates pre-computed numbers under approximately 80 deterministic financial safety rules covering priority sequencing, return bounds, and Indian tax context.
Built in India
Trusted by professionals who want clarity before they commit capital.
0
members scored
The problem
What does financially free mean to you?
For most people it's a feeling — vague, somewhere in the future, always out of reach.
Banks give you balances. Brokers give you portfolios. You have a Dmat account, A few SIPs. An FD somewhere. A home loan. Maybe some gold. You've watched the YouTube videos. You've read the threads. But no one has ever told you: Is it enough? Are you on track?.Nobody gives you a verdict.
The complication
Are you building wealth or just managing money?
How is your money story really going? Because when you look for advice, it rarely feels honest—there’s always a pitch, an angle, a hidden nudge. And sometimes, even the people you trust start sounding like they’re selling you something.
The Answer
The Freedom Score. A verdict, bounded by math.
A reproducible −100 to +100 score computed from your compounding quality, FI progress, and resilience. Three weighted components, seven tiers, one formula, one score!
Score components
Can you sustain your lifestyle to age 100 without earning another rupee?
Are your assets beating inflation after tax, year on year?
Can you absorb a major income shock without touching your long-term investments?
The seven tiers
You are in command. Wealth can support family, freedom, and time.
Simulation
What if? Answered
Freedom's Simulation Hub is an open canvas. Pull up any scenario. Change any variable. Watch your financial future shift in real time. It's part calculator, part strategy lab, part thinking partner — and it never judges your questions.
Decisions
The decisions that actually move the needle.
Three decision consoles, each with a built-in calculator. Tap the calc badge to flip the card and try it on your numbers.
Debt to Freedom
Should I prepay my home loan or keep investing?
Prepay · Invest · Hybrid
three strategies modeled on your actual numbers
Prepay vs Invest
Debt to Freedom
Verdict · 10-year horizon
Invest wins
Edge of ₹4.33 L vs the other choice. Invest FV ₹15.5 L · Prepay-saved FV ₹11.2 L.
Retirement Readiness
Am I on track to retire at 45, 50, or 55?
Monte Carlo · Stress
probability-weighted across 3 withdrawal strategies
Corpus needed
Retirement Readiness
Corpus needed at retirement
₹7.7 Cr
Future monthly ₹2.57 L × 25 (4% safe withdrawal). The earlier you start, the smaller the lift.
FI Intelligence
How close am I to financial independence?
−100 → +100
scored readiness across 7 FIRE stages
Years to FI
FI Intelligence
Years to financial independence · ₹2 Cr target
6 yr
Assuming 11% nominal return. Target is 25× annual expense (the 4% rule).
The assistant
A private AI that learns you — Your assistant, your command.
Freedom's assistant becomes smarter and more personal the more you talk to it. Freedom learns what matters to you — and stays out of everyone else’s hands. It lives in your account, keeps your conversations private, and never turns your data into someone else’s advantage.
The math is deterministic. The guardrails are built in. The explanations are clear. The memory is yours to control. Private by design. Personal by use.
Computes deterministic math first. Then narrates.
~80 financial guardrails injected on every reply.
Your memory stays in your account. Opt-in, revocable.
Cites the article. Won't fabricate a recommendation.
Assistant · live
14:32 IST
You
14:30
Should I prepay the home loan or keep SIPs running?
Freedom
14:30
Your effective post-tax loan rate is 6.8%. Your portfolio's expected real return is 7.2%. The math is close — but your emergency fund is at 1.9 months, below the 3-month floor. Build that first. Then we revisit.
Source: your data · guardrail #3
You
14:32
What changes if I switch to old tax regime?
Freedom
14:32
I'll model both regimes against your actual income and deductions, not slab tables. One moment.
Conversation stays in your account
How it works
Computation first. Explanation second.
Freedom separates math from narration. The engine computes deterministic outputs, guardrails enforce sensible boundaries, and AI explains results without inventing the numbers.
01
Compute
TypeScript math models every scenario with reproducible assumptions and transparent outputs — no black box.
02
Guard
Financial safety rules inject discipline into the plan so optimism does not become error.
03
Narrate
AI explains trade-offs, caveats, and outcomes in plain language — but it never performs the calculation.
What it feels like
Plan, simulate, and ask your AI twin.
Freedom sits upstream of investing. Three modes, one platform — households lay out a plan, stress-test it, and talk it through with an AI that learns how they think.
PLAN
Your life's finances, mapped
Planners — Life and Year, side by side. Plot every rupee across decades and zoom in on the next twelve months. Goals, debt, retirement, taxes — one model that updates in real time as your life changes.
100 yrs · 12 mo
long-range life plan and the next year in one canvas
SIMULATE
Stress-test before you decide
Simulation Hub — every assumption you have, modeled. What if I prepay my home loan? Markets fall 40%? I lose my job? I retire at 50? Run every scenario before committing a rupee.
Monte Carlo · Stress
job loss, medical, inflation, market crashes — modeled
RESEARCH
An AI twin, tuned to you
AI Brain — a private model that learns how you think. It builds memory of your goals, risk tolerance, and past decisions. Ask anything; it simulates on your data and never sells you a product.
Your twin
asks the right next question, never sells you a product
All of this runs on deterministic TypeScript math — 100% reproducible. The AI explains, never invents numbers.
For advisors
Your clients deserve better than spreadsheets.
"Most advisors spend 80% of their time on data entry and reporting, and only 20% on actual human advice." Run your practice on Freedomwise. Switch into any client's view, run projections on their actual data, and deliver reports that hold up to scrutiny.
Apply as Freedom AdvisorClient invite + consent flow
RLS-isolated client data
Reproducible PDF reports
Full activity audit log
Live scores — opted-in members
Join 7 members scored on the platform.
See leaderboard →Peers
You vs. everyone else.
See how your situation maps against 7 scored Indians — anonymized, P25 to P90, sliced by age, income, and city tier. Minimum cohort of 10 to protect privacy.
- Compare against your age bracket only.
- See where the top 10% of your income band sits.
- Filter by Tier 1, Tier 2, or Tier 3 city.
Illustrative cohort
30–35 · 12–24L · Tier 1
Illustrative only · Real data on the Peers page · Min cohort = 10
Pricing
Free for the score. Pay for the Intelligence
All deterministic computation is free forever. Credits unlock Advanced analytics, AI assistants and planning tools.
Note: AI features run on credits. You can bring your own key, with starter plan Computing your score is always free.
Free
₹0
forever
21 credits/mo
Freedom Base
₹210
per month
91 credits/mo
Popular
Freedom Pro
₹490
per month
350 credits/mo
Freedom Wealth
₹994
per month
770 credits/mo
Refer a friend
Like Freedomwise? Bring a friend, earn credits.
50 credits to you, 50 to them — when they sign up and verify. Credits unlock AI advisory features.
Stop guessing. Start projecting.
Free forever for the score. Upgrade for first of a kind DIY Financial tools that think with you.
Build my plan — it's free