WealthMaster OS v8.0 — Hostinger Cloud Sync & PIN Security Edition

Stress-Free Zone Showing: My Finances EMI Burden: 0%

Safe Liquid Cash to Spend: ₹0

Bank/Cash balance after locking aside ₹0 for unpaid monthly EMIs & fixed bills (excludes Credit Card & OD limits). Daily safe allowance: ₹0 / day.

OD Drawn / Owed

₹0

7-Card Limit Avail

₹0

Weekly Need

₹0

True Net Worth

₹0

Liquid Bank & Cash

₹0

Savings, Current & Cash

🔄 OD Drawn / Owed

₹0

Avail OD: ₹0

💳 Cards Available →

₹0

Used Bill: ₹0

Total Incoming

₹0

Salary, Shop & Inflow

Total Outgoing

₹0

EMIs, Bills & Transfers

Investments & IOUs

₹0

Net IOU: ₹0

Quick Log: Expense, Income, OD Paydown, or Shop Transfer

On your phone? Tap the floating ⚡ Pay/Log button at the bottom anytime for 1-thumb express entry!

My Finances

Movement Type

Amount (₹)

Paid From / Received In

Category / Purpose

Assign to Profile

Spending Rule Bucket

Date

Note / Reference

Click ✎ Edit on any transaction below to modify mistakes anytime.

Live Bank Accounts, 🔄 Overdraft (OD) & 💳 Credit Cards

Separates Liquid Cash, Overdraft (OD) Drawn vs Available Limit, and Credit Card Limits.

Show all accounts

Upcoming EMIs & Fixed Bills

One click deducts from the linked bank/card and logs it.

Total Monthly Fixed Obligation: ₹0

Recent Money Movements (With Instant Edit)

Every Quick Log, OD payment, EMI, or People IOU appears here immediately.

Date	Category & Details	Account Used	Amount	Actions

Cash Flow Breakdown

Inflow vs Outgoing & Investments

Multi-Card Control Center CIBIL Safe (<30% Used)

All Your Credit Cards in One Command Dashboard

Track total credit limit, utilized bill, available limit, Bill Generation Date, and Payment Due Date across all 6–7 credit cards. See which card gives you the longest interest-free window today!

💡 Best Card to Swipe Today (Max Interest-Free Days)

Calculating best statement cycle...

Total Combined Credit Limit

₹0

Across 0 active cards

Total Utilized / Bill Payable

₹0

Total outstanding across all cards

Total Available Credit Limit

₹0

Combined unspent credit power

Overall Credit Utilization %

Keep under 30% for 800+ CIBIL score

Add a Credit Card or Update Billing Cycle Dates

Set each card's Total Credit Limit, Current Used Bill (if any), Bill Generation Day (1–31), and Payment Due Day (1–31).

Complete Credit Card Statement & Due-Date Matrix

Sorted by urgency so you never miss a credit card due date or pay late fees

Card Name	Bill Gen Date	Payment Due Date	Credit Limit	Used / To Pay	Available Limit	Utilization	Actions

Dedicated Overdraft (OD) Command Center

Overdraft (OD) Limit Reduction & Repayment Tracker

Designed specifically for your ₹4,00,000 Overdraft account that drops by ₹50,000/month (or as you deposit money to pay it down). Unlike a credit card, an OD is a revolving credit line where depositing money reduces your drawn balance and saves interest immediately.

Current Sanctioned OD Limit

₹0

Total approved OD limit

Currently Utilized / Drawn (Owed)

₹0

Balance currently drawn from OD

Available Undrawn OD Room

₹0

Remaining drawing power

Est. Months to Zero at ₹50k/mo

0 Months

At your target monthly reduction

Record OD Payment, Monthly ₹50,000 Reduction, or New Drawdown

When you transfer ₹50,000 from your Bank Account into your OD Account, your Bank Cash decreases by ₹50,000 and your OD Drawn Balance drops by ₹50,000 automatically! If the bank also reduces your sanctioned limit by ₹50,000 each month, check the box below.

Month-by-Month OD Paydown & Limit Step-Down Roadmap (₹50,000 / Month Target)

Shows your exact path from your current OD balance down to ₹0 debt-free

Step / Month	Starting OD Drawn	Monthly Paydown	Ending OD Drawn	Status

Complete Master Transaction Ledger (Edit Any Entry)

Filter by date range, month, or account. Click ✎ Edit on any row to fix a typo in amount, account, or category.

Search Keyword

Filter by Month

From Date

To Date

Payment Account

Flow Direction

Matching Entries: 0

Filtered Incoming: ₹0

Filtered Outgoing: ₹0

Filtered Net Flow: ₹0

Date	Profile	Bucket	Category & Notes	Account / Source	Amount	Edit / Delete

Total Invested Capital

₹0

Across Stocks, MF, Crypto, Gold & LIC

Current Market Value

₹0

Live valuation of active holdings

Unrealized Gain / Loss

+₹0

Paper profit on open holdings

Realized Profit / Loss (Sold)

+₹0

Booked P&L from closed trades

Buy / Add Holding (Zerodha Shares, Mutual Funds, Crypto, LIC, Gold)

Choose which Bank or Broker Account funds this investment. Leaving "Deduct purchase from Bank/Card" checked automatically updates your balance.

Owner Profile

Asset Class / Platform

Stock / Asset / Policy Name

Funded From Account

Quantity / Units

Avg Buy Price / Unit (₹)

Current Market Price / Unit (₹)

Deduct purchase from Bank/Card

Active Holdings (With Edit & Sell Options)

Click ✎ Edit to modify quantity, buy price, or symbol anytime.

Asset / Symbol	Platform / Type	Qty	Avg Buy	Invested	Current Price	Current Value	Unrealized P&L	Actions

Realized Profit & Loss History (Sold Shares / Redeemed Units)

Date	Asset	Qty Sold	Buy Price	Sell Price	Sale Proceeds	Net Profit / Loss

WealthMaster OS

WealthMaster OS Locked

Safe Liquid Cash to Spend: ₹0

Quick Log: Expense, Income, OD Paydown, or Shop Transfer

Live Bank Accounts, 🔄 Overdraft (OD) & 💳 Credit Cards

Upcoming EMIs & Fixed Bills

Recent Money Movements (With Instant Edit)

Cash Flow Breakdown

All Your Credit Cards in One Command Dashboard

Add a Credit Card or Update Billing Cycle Dates

Complete Credit Card Statement & Due-Date Matrix

Overdraft (OD) Limit Reduction & Repayment Tracker

Record OD Payment, Monthly ₹50,000 Reduction, or New Drawdown

Month-by-Month OD Paydown & Limit Step-Down Roadmap (₹50,000 / Month Target)

Complete Master Transaction Ledger (Edit Any Entry)

Starting a New Month? Reset All "Paid This Month" Flags in One Click

Add Recurring EMI, Loan, Credit Card Bill, or Shop Rent

Loan Prepayment & Early Closure Simulator

Buy / Add Holding (Zerodha Shares, Mutual Funds, Crypto, LIC, Gold)

Active Holdings (With Edit & Sell Options)

Realized Profit & Loss History (Sold Shares / Redeemed Units)

Golden Financial Rule Analyzer (Choose Preset or Customize Your Own Ratios!)

Monthly & Weekly Category Spending Caps

Track Money Given to or Taken from Someone (Auto-Syncs with Bank, OD & Credit Card!)

Manage Bank Accounts, 🔄 Overdraft (OD) Accounts, 💳 Credit Cards & Dropdowns

1. Bank, 🔄 Overdraft (OD) & 💳 Credit Cards

2. Income & Expense Categories

3. Investment Platforms & Asset Classes

Restore Default Demo Data

How to Track Your Overdraft (OD) Account & Use Mobile Express Mode

1 How Your Overdraft (OD) Account Works (🔄 OD Tab)

2 Updating from Your Phone in 3 Seconds (⚡ Mobile Express)

3 Three Distinct Account Types (Bank vs OD vs Credit Card)

4 Editing Any Mistake Anytime (✎ Edit Button Everywhere)

Mobile Express Entry

WealthMaster OS Locked

Cloud Database Sync & PIN Lock Settings

Add, Rename, or Remove Category Dropdown Options

Edit Entry Details

Safe Liquid Cash to Spend: ₹0

Quick Log: Expense, Income, OD Paydown, or Shop Transfer

Live Bank Accounts, 🔄 Overdraft (OD) & 💳 Credit Cards

Upcoming EMIs & Fixed Bills

Recent Money Movements (With Instant Edit)

Cash Flow Breakdown

All Your Credit Cards in One Command Dashboard

Add a Credit Card or Update Billing Cycle Dates

Complete Credit Card Statement & Due-Date Matrix

Overdraft (OD) Limit Reduction & Repayment Tracker

Record OD Payment, Monthly ₹50,000 Reduction, or New Drawdown

Month-by-Month OD Paydown & Limit Step-Down Roadmap (₹50,000 / Month Target)

Complete Master Transaction Ledger (Edit Any Entry)

Starting a New Month? Reset All "Paid This Month" Flags in One Click

Add Recurring EMI, Loan, Credit Card Bill, or Shop Rent

Loan Prepayment & Early Closure Simulator

Buy / Add Holding (Zerodha Shares, Mutual Funds, Crypto, LIC, Gold)

Sell / Redeem Holding

Active Holdings (With Edit & Sell Options)

Realized Profit & Loss History (Sold Shares / Redeemed Units)

Golden Financial Rule Analyzer (Choose Preset or Customize Your Own Ratios!)

Monthly & Weekly Category Spending Caps

Track Money Given to or Taken from Someone (Auto-Syncs with Bank, OD & Credit Card!)

Manage Bank Accounts, 🔄 Overdraft (OD) Accounts, 💳 Credit Cards & Dropdowns

1. Bank, 🔄 Overdraft (OD) & 💳 Credit Cards

2. Income & Expense Categories

3. Investment Platforms & Asset Classes

Restore Default Demo Data

How to Track Your Overdraft (OD) Account & Use Mobile Express Mode

1 How Your Overdraft (OD) Account Works (🔄 OD Tab)

2 Updating from Your Phone in 3 Seconds (⚡ Mobile Express)

3 Three Distinct Account Types (Bank vs OD vs Credit Card)

4 Editing Any Mistake Anytime (✎ Edit Button Everywhere)