Built for Indian money

See the age you're
financially free

Not a rule of thumb. The year worked out from the accounts you actually hold - PPF, EPF, NPS, funds, property, loans - with Indian tax on every rupee, and every assumption yours to see and change.

Coming soon on Google Play

Free to use with 2 accounts and 1 goal · Suffice Pro unlocks the rest for ₹999, once - not a subscription

The Today screen: financially free at 41, with the corpus you would have and the corpus you would need
The answer, and what it rests on
The Accounts screen: a PPF, an NPS, an endowment plan, a bond and a home loan, each with its own contribution and rate
Every holding, on its own rules
The Goals screen: a child's education funded from four accounts, a marriage short by 51.39 lakh, and retirement funded from age 41
What is covered, what is short
The Plan screen read year by year: money in, money spent and the corpus for each year, with a PPF maturing tax-free and a home loan clearing
Every year, and what happens in it
26Indian account types modelled
3scenarios, side by side
0accounts, trackers or analytics
1×purchase, not a subscription

It ships knowing the notified rates

Not a single rate of return applied to everything you own. Each scheme earns what it is actually notified to earn, and is taxed the way it is actually taxed.

PPF7.1%
EPF8.25%
Sukanya Samriddhi8.2%
Senior Citizens' Savings8.2%
NSC7.7%
Post Office MIS7.4%

These are revised quarterly, and Suffice tells you when the ones it holds have aged. NPS, ELSS, sovereign gold bonds, ULIPs, endowments, NCDs and twenty more besides, each with the tax that applies to it on the way out.

Your numbers, read correctly

Every figure traces back to something you entered or an assumption you can see - never a rule of thumb borrowed from somewhere else.

01

Read your statements

Import a CAS from CAMS, KFintech, CDSL or NSDL and every fund and demat holding comes in matched by ISIN - real cost basis, real purchase history, nothing re-typed from memory. The file is read on your phone and never uploaded.

02

Every account, modelled right

A PPF matures on the date the rule actually gives you, and earns on the month's lowest balance. An NPS glides out of equity on the lifecycle path you chose. The house you live in counts in net worth, not in the corpus that has to fund retirement.

03

Close the month

Once a month, record what things are actually worth. Suffice separates contributions from growth, so your real returns - not an assumption - drive every projection after this one.

04

Goals with real funding

Assign specific accounts to specific goals and see what is covered, what is short, and by when. The home planner works out what a house actually adds to your month once the rent you stop paying is netted off.

05

Tax, done properly

Old regime or new, per person, with the ₹12L rebate, marginal relief, surcharge bands and presumptive taxation for business income. Capital gains charged the way each holding is actually charged, not at one flat guess.

06

Every assumption, editable

Inflation, the corpus multiple, return bands per asset class - all of it visible in Settings with the reasoning behind each default written out. Check them; don't take them on faith.

Everything in the app

One purchase, and none of it is an upsell to something else. This is the whole of what Suffice does.

The answer

  • Your freedom age - the age the money would last without you working
  • How free are you - the floor you could survive on, the life you actually live, and the age you could stop adding and still arrive
  • Three scenarios side by side - worst, average and best, each with its own blended return
  • How the answer has moved since you started recording
  • A timeline of your money as a story rather than a table

Everything you hold

  • 26 Indian account types, plus a custom type for anything the list doesn't name - a chit fund, money lent out, an unlisted share
  • Import a CAS from CAMS, KFintech, CDSL or NSDL, matched by ISIN and read entirely on your phone
  • Loans with the full amortisation schedule
  • Net worth over time, and a monthly close that separates what you added from what it earned
  • What selling would cost in tax and lost growth, shown before you do it

Goals

  • Goals funded from named accounts - what is covered, what is short, and by when
  • A home purchase planner that nets off the rent you would stop paying
  • What a goal has to hit in the rupees of the year it falls due, not today's
  • Which way of paying costs least - answered in money, not in EMI

Tax

  • Old regime or new, per person, with the ₹12L rebate, marginal relief and surcharge bands
  • Presumptive taxation for business and professional income
  • Capital gains charged per holding - equity, debt, gold, property and crypto each the way they actually are
  • A tax-year pack: everything the return will ask about, for a year that has finished. Suffice does not file, and does not pretend to

If the plan doesn't get to happen

  • Protection - whether the cover you hold is actually enough, measured against the debts and goals it would have to clear
  • If something happened - the plan run again without one of the people in it
  • A year in hospital - the same plan run through one
  • The gap - the years between stopping work and the locks opening, and which ones are short

The decisions that move a plan

  • Rent or buy, answered in years, with the rent and the return at which it flips
  • Clear the loan early, or invest the same money - both sides spending the same rupees every month
  • Moving to safety - what leaving equity costs in the ordinary case, and what it buys if the market falls the year you stop
  • Reports by expense, income, asset class and tax - and the whole plan as a PDF

“The question was never whether a calculator could do compounding. It was whether it understood a PPF, or only pretended to.”

Why Suffice exists

No server. No account. Your numbers stay yours.

Everything you enter is saved on your device, and leaves it only if you switch on iCloud sync yourself - to your own iCloud, under your own Apple ID. Nobody who makes Suffice can see your numbers, because nobody who makes Suffice has a way to.

Find out when you're actually free

Coming soon on Google Play