See the age you're
financially free
Covered, whether or not you keep working - not the 4% rule imported from America. Suffice runs your plan on PPF, EPF, NPS, real Indian tax slabs, and your own return assumptions, every one of them yours to see and change.
Free with 2 accounts and 1 goal · No account, no server · Suffice Pro is one-time, not a subscription (₹999 in India)
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.
Read your statements
Upload a CAS from CAMS, KFintech, CDSL or NSDL and every mutual fund and demat holding comes in matched by ISIN - real cost basis, real purchase history, nothing re-typed from memory.
Every account, modelled right
PPF matures on the date the rule actually gives you, not a guess. A stock and a debt fund grow at different assumed rates. The house you live in counts in net worth, not the corpus that has to fund retirement.
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.
Goals with real funding
Assign specific accounts to specific goals and see exactly what's covered, what's short, and by when. The home planner works out what a house actually adds to your month once rent is netted off.
Tax, done properly
Old regime or new, per person, with the ₹12L/₹12.75L rebate, marginal relief, surcharge bands, and presumptive taxation for business income - not a flat percentage guessed at.
Every assumption, editable
Inflation, corpus multiple, return bands per asset class - all visible in Settings, with the reasoning behind each default written out. Check them; don't take them on faith.
"The question was never 'can a calculator do compounding.' It was whether it understood PPF, or just pretended to."
Why Suffice existsNo server. No account. Your numbers stay yours.
Everything you enter is saved on your device, and only leaves it if you turn on iCloud sync yourself - to your own private iCloud, under your own Apple ID. Nobody who makes Suffice can see your numbers, because nobody who makes Suffice has a way to.