✦ AI-powered goal compounding

Turn surplus
into milestones

Find your spare money every month, sequence your life goals in order, and watch the momentum compound — goal by goal, automatically.

Free forever · No credit card · Takes 2 minutes

🔒 Bank-grade security 🌍 GDPR ready 🚫 No data sold ✨ Free to start 📋 DPDP Act 2023
70/20/10Smart surplus split
3.2×Faster to first goal
5 typesGoal categories
100%Data stays yours
Try it now — no sign-up needed

See your surplus work in real time

Drag the sliders to your income and expenses. Watch exactly how your money gets sequenced across your goals.

SnowballIQ — Live Preview
Monthly income₹2,30,000
Monthly expenses₹1,56,000
Free surplus
Income₹2.3L
Obligations−₹15K
Expenses−₹1.6L
Free surplus₹59K
Where your surplus goes
ℹ️ Illustrative only. Instrument suggestions are indicative planning aids and are not investment advice. Consult a SEBI-registered financial advisor before investing.

Free forever · No credit card · 2 minutes

How it works

Four steps to compounding momentum

You set the goals. AI does the sequencing. The snowball does the rest.

01
💰
Find your surplus
Upload a bank statement or enter manually. AI reads it and finds your real spare amount every month.
02
🎯
Sequence your goals
Add your goals — house, car, education. AI allocates your surplus 70/20/10 across goals in priority order.
03
📊
Track milestones
Progress rings show % funded. Gantt bars show timelines. Monthly check-ins keep your savings accurate.
04
❄️
Snowball rolls forward
When a goal completes, its full allocation rolls into the next — your saving power compounds automatically.
Smart allocation

Where your surplus goes

Every rupee gets allocated to the right instrument based on your goal timeline. No manual decisions.

Monthly surplus: ₹59,000
🏠
House Construction₹41,300/mo
70% · Equity SIP
🏗️
Plot Extension₹11,800/mo
20% · Debt MF
🚗
Car₹5,900/mo
10% · Liquid MF
👨‍👩‍👧
Parents care₹15,000/mo
Fixed obligation · Cash · Always
ℹ️ Illustrative only. Not investment advice. Consult a SEBI-registered financial advisor.
Instrument logic
Under 12 months
→ Liquid Mutual Fund
1–3 years
→ Debt MF / Recurring Deposit
3+ years
→ Equity SIP
Obligations
→ Current / Savings account
70 / 20 / 10 rule
Your free surplus is split 70% to your primary goal, 20% to the second, and 10% to the third. When a goal completes, its full allocation rolls to the next.
What's inside

Everything your surplus needs

Built for how people actually manage money — goals, obligations, and family.

🏠
Smart goal categories
House, car, education, travel — AI recognises the type and picks the right instrument automatically.
📈
AI Insights from statements
Upload your bank PDF. AI reads transactions and gives 5 specific financial insights with exact numbers.
📅
Monthly check-in
Every month, confirm what you actually saved. Progress rings update in real time. Timeline stays accurate.
💬
AI Advisor chat
Ask anything — "How do I reach my house goal 1 year earlier?" Get advice tuned to your exact numbers.
📋
Cash obligations handled
Parents care, rent, EMIs — deducted before your surplus is calculated. Nothing falls through.
📧
Weekly digest email
Every Sunday: goal progress, surplus used, next action — straight to your inbox.
The proof

Sequenced saving wins every time

Drag to your surplus. See how goal sequencing outpaces scattered saving over 36 months.

Monthly surplus ₹59,000
With SnowballIQ — 36 months
—
goal-sequenced compounding
Without sequencing
—
scattered saving
With SnowballIQ Scattered saving

Ready to turn your surplus
into milestones?

Start free. See your goal timeline in under 2 minutes.

Free tier always available · No credit card · Cancel anytime