Every feature listed here is in the app today — no roadmap items, no marketing fluff.
Capture income, fixed commitments (EMIs, SIPs, premiums, family support) and wealth in three clean lists. Monthly totals, due dates and category-aware insights come for free.
Surplus is split needs-first: emergency cover before debts, debts before goals, goals before wealth, with a guilt-free joy budget at the end. Edit any row, the rest re-balance.
Set a target amount and date, then tag specific investments to the goal. Yojarv tracks actual progress from those linked assets — no manual updates needed.
A single score from six pillars: savings rate, commitment load, investment discipline, goal coverage, emergency buffer and protection cover. Priority actions tell you what to fix next.
Change income, EMI, SIP or buy/sell a wealth asset and see the impact on surplus, emergency cover and goal timelines — before you act, not after.
Yojarv compares your term, health and other covers against the cover your income and commitments actually need. Family details are accounted for.
An AI that answers using only your numbers — not generic templates, not the internet. Conversation history is kept private to your account.
When you mark a commitment paid, attach a photo of the receipt. Stored encrypted in your private vault, browsable by month.
Export a PDF snapshot of any month: cashflow, allocation, goal progress and health score. Useful for shared family conversations or your own record.
Native React Native app that signs in with the same account. PIN + biometric unlock, push reminders for upcoming dues, native receipt photo attach. Web and mobile stay in sync.
Dependents, parents, spouse and children all factor into protection needs, emergency cover and what-if simulations. Plan for the household, not just one earner.
App data is encrypted at rest server-side. Mobile adds a 6-digit PIN and optional Face ID / fingerprint. No third-party analytics on your financial numbers.
No bank linking, no auto-scraping. You enter your own numbers — that's why Yojarv only ever knows what you tell it.
Sign up with email and password. A 30-day Premium trial starts immediately — no card required.
Type in income, commitments, wealth and family details. Categories are pre-built; amounts can be lump-sum or monthly.
The Allocation Planner shows where your surplus should go this month. Goals, health score and what-if all light up immediately.
Update what changed (new SIP, salary hike, prepayment, paid bill) and Yojarv re-balances. Monthly snapshots build a history over time.
Use the core planner free for as long as you need. Premium adds advanced analysis, automation and secure document storage for ₹99 per 30 days.
No testimonials, no inflated user counts, no fabricated awards. Yojarv is built by a small team that thinks finance tools should earn trust quietly.
The website ships a single first-party analytics script. Your income, EMIs and wealth never go to Google Analytics, Meta Pixel or any ad network.
You enter what you want Yojarv to know. That keeps the data clean, gives you control, and means there is nothing to silently breach.
The AI Financial Coach sees only what you've entered. No generic "consider an SIP" templates — only suggestions that make sense for your actual income, family and goals.
Settings → Delete Account inside the mobile app, or yojarv.com/delete-account on the web. Your data is removed within 30 days, with confirmation by email.
₹99 every 30 days. No upsells, no "Pro+" tier, no add-on AI tokens. The price is configurable on the server so we can lower it, never silently raise it.
Features that are still being built are not listed on this page. Everything you see in Pricing and Features is live in the app today.