Plan your life.
Not just your month.

Plan your dream home 🏡 the smart way.

Simulate income hikes, investments, and life goals to see exactly what it takes to reach them.

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finance.mythcipher.in
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A
Alpha Investor
Dashboard
Goals
Investments
Recent goals
Emergency Fund
Retirement
MythCipher Dashboard
Rules engine evaluation of assets, liabilities & deadlines
Live
Live analysis
Health score 78/100 -- positive monthly cash flow of ₹13,900
Health Score
78
Net Worth
₹4.8L
assets minus debt
Monthly Surplus
₹13.9k
after EMIs, SIPs & spends
Monthly Income Allocation
Commitments
Spending
Savings
Free cash
Goal Balances3 goals
Emergency Fund
Marriage
Retirement
System Warnings
Health insurance cover is below the recommended 5x annual income.
Why Mythcipher

Your whole financial life, in one screen.

Goals

Dive into a clear viewof your future. Track a house, retirement, or a trip -- and see if you're on pace.

HouseRetirementTravel

Simulate

We test what-if scenarios -- income hikes, job changes, bigger SIPs -- before you commit to real money.

Mythcipher
Live plan

See your whole plan

Every goal, EMI, and investment -- mapped against your income.

Search a goal or scenario...
Health ScoreNet WorthCash Flow

Your personal financial analyst, on demand

Get a clear read on your health score, net worth, and cash flow -- plus the next best move to make.

See how it worksJoin Waitlist
How it works

Four steps from income to plan.

STEP 01

Add income & EMIs

Enter your income, existing commitments, and monthly spending in one quick snapshot.

STEP 02

Set your life goals

Marriage, a house, retirement -- add a target amount and a timeline for each one.

STEP 03

Get an instant simulation

See your health score, net worth, and whether your goals are actually fundable.

STEP 04

Follow the recommendations

Clear, prioritized actions -- rebalance, top up a SIP, or delay a goal by a few months.

Who it's for

Built for anyone with an income and a goal.

Full-time employees

Know exactly how much of your income is free after EMIs, rent, and SIPs.

Freelancers & consultants

Plan around variable income without losing sight of long-term goals.

Couples planning together

Combine incomes and goals into one simulation you can both see.

First-time investors

Get a starting asset allocation before you put money into anything.

FAQ

Questions, answered.

Most budgeting apps tell you where your money went. Mythcipher tells you where your money should go. Instead of focusing on expenses, we help you plan your future. Set goals like an emergency fund, marriage, retirement, or a house, and instantly see if your current income can realistically achieve them.

Mythcipher analyzes your monthly income, investments, assets, liabilities, and financial goals to calculate: • Monthly surplus • Goal affordability • Time required to reach each goal • Recommended investment allocation • Potential funding gaps You can also simulate different scenarios like income hikes, new jobs, or increasing your SIP to see how they affect your future.

Yes. Your data is encrypted and never sold to third parties. We only use the information you provide to generate your financial analysis. Sensitive credentials and API keys are stored securely, and you control your own data.

No. For the MVP, you manually enter your income, investments, assets, and goals. This gives you complete control over your information while still providing personalized financial planning. Automatic integrations may be added in future versions.

Yes. 🎉 Early members receive a 7-day Pro trial with full access to: • Goal Planning • Scenario Simulator • AI Financial Analysis • Investment Allocation • Financial Health Dashboard No credit card required during the trial.