# SaakarKaro

> SaakarKaro is an Indian company building a personal finance tool for reaching long-term goals. Its product, FinBuddy, covers every head of personal finance, from earning, spending and budgeting to saving, debt, investing, tax and planning for the future, in one app for Android and iOS, with Lakshaya AI, an AI assistant, inside every screen.

## About SaakarKaro

- SaakarKaro (pronounced "saakar karo") is a company based in India. The name is Hindi for "make it real": turning a financial goal on paper into a life that actually happens.
- Its mission is long-term goal achievement. A home, a child's education, a wedding, a secure retirement: these take years of steady decisions, and SaakarKaro builds tools that keep people on course for all of those years, not just for this month's budget.
- Most money apps cover one piece: an expense tracker, a budgeting app, an investment app or a tax tool. SaakarKaro's approach is to cover every head of personal finance in one place, because a goal is only reachable when every rupee is seen against every other.
- FinBuddy is its first product. Lakshaya AI is the assistant built into it.
- The company's promise: Achieve your financial goals. Create a better future for yourself.

## Every head of personal finance, covered

- Income: salary, business, freelance and irregular income, logged and understood.
- Spending: every expense in two taps, by statement import or from a photo of handwritten notes, split into needs and wants.
- Budgeting: monthly budgets that warn before you overspend, and subscriptions that renew unnoticed, flagged.
- Saving and emergency fund: building a safety buffer is treated as the first priority, before anything else.
- Debt and EMIs: loan repayments tracked alongside everything else so they fit the month; home-loan interest carried into tax planning.
- Protection: Lakshaya AI prompts users to check they have an emergency fund, term life cover and health cover before chasing other goals.
- Investing: every holding (SIPs, mutual funds, stocks, fixed deposits, gold) in one view, with long-term projections.
- Tax: Indian income tax planned all year, with both regimes compared and deductions tracked.
- Goals: every goal gets a target date and the monthly amount needed to reach it, tracked as money comes in.
- Retirement and the long term: projections that show where today's choices lead years from now.
- Family money: shared pools for households and flatmates, and goals a family can work towards together.

## FinBuddy at a glance

- Personal finance app for people in India, available on Android (Google Play) and iOS (TestFlight beta).
- Free to start. For adults aged 18 and above.
- Log income and expenses in two taps, or import a bank or card statement, or photograph handwritten notes.
- Budgets that warn before you overspend, and subscriptions that renewed without you noticing, flagged.
- Pools: one shared budget for a family or flatmates, funded by earners and spent by anyone. Not a bill-splitting or debt tracker.
- Investments: every holding (SIPs, mutual funds, stocks, fixed deposits, gold) in one view, projected with assumed rates of return. No live prices.
- Goals with a target date and the monthly amount needed to reach them, trackable alone or shared with a pool.
- Indian income tax planner: old and new regime compared all year, deductions, and auto-fill from Form 16, interest certificates and capital gains reports.

## What people use it for

- Cash flow: Every rupee logged in two taps, so the month adds up.
- Subscriptions: The ones that renewed without you noticing, flagged.
- Budgeting: A heads-up before you overspend.
- Goals: Each goal gets a date, and the monthly number that keeps it.
- Taxes: Both regimes, worked out live, all year.
- Future planning: Change one number and watch five years redraw.
- Investments: Every holding in one calm view.

## Why FinBuddy

- Built around goals: Every plan starts from what you want to reach, with a date and a monthly number, not from a list of transactions.
- Guided by Lakshaya AI: An assistant inside every screen that reads your own numbers and tells you what to do next.
- Everything in one place: Income, needs, wants, expenses and investments sit together, so every rupee is seen against every other.
- Insight into habits: It spots patterns in how you spend and turns them into small, specific steps you can act on.
- Made to get you there: Tracking is where it starts, not where it stops. The point is reaching the goal.

## Lakshaya AI

- Answers from your own numbers, not the internet's.
- Lives inside every module of the app, not in a separate chatbot.
- Every number is calculated on the user's phone by the app itself; the AI model only explains finished figures and never does the arithmetic.
- Seventeen insight checks across five areas: money at risk, habits drifting, goals slipping, money sitting idle, and how money splits between needs, wants and investments.
- Lakshaya AI can be wrong, the way any AI can. It never moves your money, and every figure it quotes is worked out on your phone before it is ever handed over.

## What FinBuddy is not

- Not investment advice: SaakarKaro is not a SEBI-registered investment adviser, and FinBuddy never recommends buying or selling a specific stock or fund.
- Not a chartered accountant: the tax planner gives estimates and does not file returns.
- Not a bank or payment app: it never moves, holds or lends money and never asks for bank logins.

## Privacy and trust

- User data is never sold and never used for advertising.
- Designed to comply with India's Digital Personal Data Protection Act, 2023, the IT Act and CERT-In directions.
- Users can export or delete their data at any time.

## Pages

- [Home](https://saakarkaro.com/): what FinBuddy and Lakshaya AI do.
- [About us](https://saakarkaro.com/about): the company's vision and team.
- [Case studies](https://saakarkaro.com/case-studies): how FinBuddy fits real situations.
- [Simulations](https://saakarkaro.com/simulations): interactive demos using the app's projection maths.

## Case studies

- [Freelancers and business owners: When income is uneven, clarity has to be constant](https://saakarkaro.com/case-studies/freelancers-and-business-owners): Lumpy payments, business and personal money in the same account, and a tax bill that shows up as a surprise.
- [Families with multiple earners: One household, several incomes, one clear pot](https://saakarkaro.com/case-studies/families-with-multiple-earners): Shared rent, groceries and bills funded by more than one person, and tracked mostly from memory.
- [Salaried professionals: A steady income that still disappears](https://saakarkaro.com/case-studies/salaried-professionals): The money arrives on the same date every month. Where it goes is far less predictable.
- [Students: Small money, real habits](https://saakarkaro.com/case-studies/students-and-pocket-money): An allowance from parents or guardians, spent quickly, with nothing to show for it afterwards.
- [Retired individuals: Income that arrives quietly, and has to last](https://saakarkaro.com/case-studies/retired-individuals): A pension every month, savings spread across fixed deposits, and a good deal of it tracked on paper.

## Team

- Dr. Ketan Makwana: Ketan sets the direction for SaakarKaro and decides what we build next. Every big decision about the product starts here.
- Trupti Nalawade: Trupti plans how the product is organised, so every part is easy to find and use. Each new feature is shaped to fit cleanly with what is already there.
- Harshil Mistry: Harshil designs and builds everything you see and touch. If you have tapped it, scrolled it or watched it move, Harshil made it.

## Download

- [Google Play](https://play.google.com/store/apps/details?id=com.saakarkaro.finbuddyapp)
- [iOS (TestFlight beta)](https://testflight.apple.com/join/U8HMn7vK)

## Optional

- [Privacy Policy](https://saakarkaro.com/privacy)
- [Terms of Service](https://saakarkaro.com/terms)
- Contact: admin@saakarkaro.com