February
₹80,000
Term + health insurance
Salary-first planning for Indian households
Plan yearly expenses month by month.
Add insurance, school fees, festivals and annual bills. YearFlow shows what to set aside each month and what remains safe to spend.
No bank connection Ready in 90 seconds Data stays on your device
October plan
Good morning, Rohan
RK
Monthly reserve
₹42,500
On track this month
Safe to spend
₹97,500
After bills & reserve
Pressure month ahead
School fee + insurance
February · ₹1,80,000 total
Covered
₹1,36,000 reserved4 months left
Nov
₹42.5k
Dec
₹42.5k
Jan
₹51k
₹2,00,000
September premium
₹42,500
Monthly reserve
₹97,500
Safe to spend
100%
Private by design
The timing problem
Your salary is monthly. Many expenses are not.
A yearly budget can look healthy while February, June or September still becomes expensive. YearFlow plans around the month the money is actually needed.
June
₹1,10,000
Anniversary + school fee
September
₹2,00,000
Annual premium
One plan, three clear answers
Stop guessing what this month can handle.
See the reserve, safe-to-spend amount and upcoming payment coverage in one place.
Reserve
What should I keep aside?
A monthly amount based on the real dates and values of your future payments.
Spend
What is safe to use?
Your salary after fixed costs, planned savings and this month’s reserve.
Coverage
Am I ready for what’s next?
A month-by-month view of covered payments and pressure points ahead.
Designed for real life
Less tracking. More preparation.
Add payments naturally
Type “Car insurance 18k due Jan 10” and let YearFlow structure it.
See pressure early
Spot expensive months while there is still time to adjust the plan.
Remember what matters
Use reminders and coverage status to stay ahead of every due date.
Keep your own copy
Export the complete plan to Excel whenever you want.
Example household
Rohan’s September plan
Fully covered
Monthly salary₹2,00,000
Fixed expenses₹50,000
Future reserve₹50,000
Safe to spend₹1,00,000
₹2 lakh premium, covered on time
Saved across the months before it was due
See the difference
Built for upcoming expenses.
Expense trackers show where money went. YearFlow shows how known future payments affect this month’s plan.
Plans before you spend
Warns you months ahead
Works without bank access
Keeps annual bills visible
Start your plan
Start with the payments already on your mind.
No signup. No bank connection. Build a private plan on your device and see your first reserve in about 90 seconds.