SparDhan: Finance for Indians

SparDhan means "Save Wealth" — "Spar" (German: save) + "Dhan" (Hindi: wealth).

Built specifically for Indian expats, immigrants, and salaried professionals living and working in Germany, SparDhan helps you take control of your finances and build real wealth — not just track spending.

WHAT SPARDHAN DOES DIFFERENTLY

Most finance apps show you where your money went. SparDhan tells you what to do next.

Financial Guru — Personalised advice engine with 16 rules that analyse your savings rate, emergency fund, goal progress, budget overruns, and net worth. Get actionable insights ranked by priority.

Goal Engine — Set and track goals for your emergency fund, car, house down payment, or early retirement (FIRE). See exactly how much to save each month.

2-Year Projections — Simulate your financial future across 3 scenarios (optimistic / base / pessimistic) with German-specific Vorabpauschale ETF tax and salary growth built in.

Goal Tradeoff Engine — See how a big purchase today delays your goals: "Buying this car delays your house goal by 8 months."

Germany-First Calculations — FIRE number, house buying costs (20% + 11% Nebenkosten), Vorabpauschale, EUR 1,000 Freibetrag, basiszins — all built in.

FEATURES
- Income and expense tracking with categories
- Monthly budget limits per category with health indicators
- Emergency fund, FIRE, house, car, custom goals
- 2-year portfolio projection with scenario planning
- One-off event planning (bonus, car purchase, holiday)
- Financial health score (0-100)
- Personalised advice cards with direct navigation
- Core features (budgeting, goals, projections, DTAA guidance) work fully offline — no account required. Live remittance rates and AI coaching require an internet connection. No data is ever sold or shared with third parties.

PRIVACY
SparDhan is 100% local. Your financial data never leaves your device. No account required. No ads. No tracking. No cloud sync.

WHO IS THIS FOR?
- Indian expats in Germany building their first financial plan
- Salaried tech professionals managing EUR savings and India remittances
- Anyone saving for a house, car, or early retirement in Germany