What is Freedomwise
Freedomwise is a financial planning platform built for India's salaried professionals and independent investors. It answers three questions that most Indians struggle to answer clearly:
- Should I prepay my home loan or keep investing? (Debt-to-Freedom)
- Am I on track to retire at my target age? (Retirement Readiness)
- How close am I to financial independence? (FI Intelligence)
What makes it different
Deterministic math, not guesswork. Every number — your Freedom Score, your projected corpus, your retirement date — is computed from your actual data using reproducible TypeScript math. Nothing is estimated or "AI-generated."
AI explains, never calculates. The AI reads your pre-computed results and explains them in plain language. It can't hallucinate your portfolio numbers because it never generates them.
Indian-first. All calculations use Indian tax rules (New Regime FY 2026-27), Indian instruments (PPF, NPS, EPF, ELSS), and Indian market return assumptions. No 401k, no IRA, no dollar amounts.
The three wedges
| Wedge | Question it answers | Where to find it |
|---|---|---|
| Debt-to-Freedom | Prepay vs invest, debt-free date, priority payoff | /debt-freedom |
| Retirement Readiness | Corpus target, on-track status, Monte Carlo stress test | /retirement-readiness |
| FI Intelligence | Freedom Score, FIRE stage, asset waterfall, patterns | /fi |
Free vs paid
The core calculations — Freedom Score, projections, calculators — are always free. AI explanations, detailed analysis reports, and life planning features are credit-gated. See Pricing for details.
Getting your first score
The fastest path: create an account, set your age and annual expenses in Preferences, add one asset, and run your Freedom Score. Under 5 minutes. See Quickstart for a step-by-step.