Dhanlytics is a free web-based financial simulator built for India. It models income, taxes, investments, expenses, and life events across a multi-decade timeline. Its tax engine compares the Old and New regimes and supports deductions including 80C, 80CCD(1B), 80D, 80E, 24(b), HRA, and LTA. Monte Carlo analysis runs more than 1,000 randomized market scenarios to estimate goal-achievement probabilities. The tool covers more than 15 account types, including EPF, PPF, NPS, ELSS, mutual funds, fixed deposits, SCSS, SSY, sovereign gold bonds, direct equity, and real estate. Users can compare choices such as buying versus renting or retiring at different ages. Historical backtesting uses actual Nifty 50, debt, and gold data from 1990-present. As a Progressive Web App, Dhanlytics can be installed and used offline. Financial data stays in browser IndexedDB and is not transmitted to Dhanlytics servers; Google Analytics collects anonymous usage data. Plans can be exported as PDF reports or JSON backups. It is a planning and simulation tool, not an investment execution platform.
Who it is for
Dhanlytics suits people in India who want to model taxes, investments, and long-term financial choices. It is for planning and simulation rather than executing investments.
What is good
- Free plan includes all features.
- Models multiple decades of finances and life events.
- Supports more than 15 account types.
- Can be installed and used offline.
What to know first
- Built specifically for India’s financial context.
- Does not execute investments.
- Google Analytics collects anonymous usage data.
Verdict
Dhanlytics offers broad India-focused planning and scenario tools at no listed cost, with local browser storage for financial data. It is a simulator, not a platform for carrying out investments.
Get started with Dhanlytics
- Open the Dhanlytics website.
- Use the web app, or install it as a Progressive Web App.
- Sign in with a Google email address.
- Build a financial plan and compare scenarios.
- Export the plan as a PDF report or JSON backup.
What the free plan stops at
The free plan includes all features. Dhanlytics is a planning and simulation tool, not an investment execution platform.
Questions about Dhanlytics
How much does Dhanlytics cost?
The listed plan is free, with no credit card required.
What can I model with Dhanlytics?
It models income, taxes, investments, expenses and life events over multiple decades, with scenario comparison, capital gains modeling and retirement income modeling.
Does it support Indian tax planning?
Yes. It compares the Old and New tax regimes and supports deductions including 80C, 80CCD(1B), 80D, 80E, 24(b), HRA and LTA.
Can I use Dhanlytics offline?
Yes. It is a Progressive Web App that can be installed and used without an internet connection.
Where is my financial data stored?
Financial data is stored locally in the browser’s IndexedDB and is not transmitted to Dhanlytics servers. Google email is used for authentication, and Google Analytics collects anonymous usage data.
Can Dhanlytics carry out investments?
No. It is a financial planning and simulation tool, not an investment execution platform.
Dhanlytics plans and pricing
All plansCompared on tax planning software
- Free plan
- Yes
- Scenario modeling
- Yes
- Multi-year projection
- Yes
- Capital gains modeling
- Yes
- Retirement income modeling
- Yes
