Dhanlytics

Dhanlytics is a web-based financial planning simulator built for India. It models income, taxes, investments, expenses and life events over a multi-decade timeline, and compares the Old and New tax regimes with support for deductions such as 80C, 80D, HRA and LTA. Its Monte Carlo analysis runs 1,000+ randomized market scenarios to estimate the chances of reaching goals. The simulator covers 15+ account types, including EPF, PPF, NPS, mutual funds, fixed deposits, sovereign gold bonds, direct equity and real estate. Users can compare choices such as buying or renting, or retiring at different ages, and backtest against historical Nifty 50, debt and gold data from 1990-present. Dhanlytics works as an installable Progressive Web App, including offline use. Financial data stays in browser IndexedDB; the only personal information it receives is a Google email address for authentication. Plans can be exported as PDF reports or JSON backups. The free plan includes all features, and Dhanlytics is for planning and simulation rather than investment execution.

Dhanlytics brings long-term financial projections, tax comparisons and scenario modeling into a free planning tool. Its local data storage and offline use may suit people who want to keep financial simulations on their device.

Dhanlytics suits people in India who want to model long-term finances, compare scenarios and explore tax regimes. It is not an investment execution platform.

Dhanlytics is a web-based financial simulator designed around Indian tax rules, investments and long-term household decisions. It is best suited to individuals who want to test retirement, housing and savings choices in one model. The strongest case for it is unusually broad scenario analysis with privacy-conscious local storage; the main boundary is that it plans investments rather than executing them.

Overview

Dhanlytics brings income, expenses, investments and life events into a multi-decade projection. That makes it useful when a decision cannot be judged by a single year’s return or tax bill. Someone comparing a home purchase with continued renting, or weighing different retirement ages, can examine the consequences in a shared timeline instead of using disconnected calculators.

Its focus is India: the tax engine compares the Old and New regimes and incorporates common deductions. The product is a planning and simulation tool, not a brokerage or investment execution platform, so its value is in evaluating choices before acting elsewhere.

Key features

India-focused tax and cash-flow modeling

Dhanlytics supports deductions including 80C, 80CCD(1B), 80D, 80E, 24(b), HRA and LTA. Comparing both tax regimes inside a broader projection helps show how a tax decision changes savings capacity and eventual goals, rather than treating filing as an isolated exercise. Capital-gains and retirement-income modeling add useful context for longer plans.

Portfolio breadth and uncertainty

More than 15 account types are covered, including EPF, PPF, NPS, ELSS, mutual funds, fixed deposits, SCSS, SSY, sovereign gold bonds, direct equity and real estate. This range fits Indian households whose assets span government schemes, market investments and property. Monte Carlo analysis runs 1,000-plus randomized market scenarios and estimates the probability of reaching goals, putting risk alongside a single forecast. Historical backtesting uses actual Nifty 50, debt and gold data from 1990 to the present, giving users another way to examine how assumptions behave across market history.

What-if planning and portability

Scenario comparison supports questions such as buying versus renting and retiring at different ages. Those comparisons are most valuable when users change one major assumption at a time and read the result as an estimate, not a promise. Plans can be exported as PDF reports or JSON backups, which helps preserve a record or move data between copies of a plan.

Privacy and offline access

As a Progressive Web App, Dhanlytics can be installed and used without an internet connection. Financial data stays in the browser’s IndexedDB and is not transmitted to Dhanlytics servers. Authentication uses a Google email address; Google Analytics still collects anonymous usage information such as pages visited, session duration, device and browser type, and approximate location. The privacy policy says the service is designed to comply with India’s Digital Personal Data Protection Act 2023 and Information Technology Act 2000 rules.

Pricing

Dhanlytics has one published plan: Free at free, billed 100% FREE, with no credit card required. All features are available, while the core planning tool has a free tier. There are no paid seat limits, usage quotas or renewal charges stated for this plan. It is therefore a straightforward choice for individuals who want the full simulator without a subscription commitment; organizations seeking execution, advice or team administration will need a different product.

Platforms

Dhanlytics runs on the web and can be installed as a Progressive Web App. Offline operation is a practical fit for a laptop or phone used where connectivity is unreliable, provided the browser retains the locally stored plan.

Who it's for

Choose Dhanlytics if you are in India and want to connect tax-regime decisions, varied account types, life events and retirement assumptions in one long-range model. It also suits privacy-conscious planners who prefer local storage and offline access. It is not the right choice if you need to place trades, open accounts or manage investments inside the same service.

Pros and cons

• Pros: India-specific Old versus New regime comparisons with major deductions; 15-plus investment and savings account types; Monte Carlo probabilities and historical backtesting; scenario comparisons for housing and retirement; offline PWA use; PDF and JSON exports; financial data kept locally.
• Cons: It does not execute investments, so users must act through another provider; browser-local storage means the plan is tied to that browser unless exported; anonymous analytics still records usage and approximate location.

Alternatives

For a dedicated tax-planning directory, browse Tax Planning Software. Taxottic is the better fit when you want Android, iOS and web access with freemium filing plans. TaxMoov suits users seeking destination-focused tax reports, including a free snapshot. Catalyst Tax Insights offers free personal tax-scenario comparisons and a paid annual Plus plan. Instead is aimed at multi-entity e-filing with unlimited users on its free platform. LifeYield Tax-Smart Withdrawals is an API product for organizations that need tax-smart withdrawal workflows. CFS TaxTools is a Windows package with 300-plus tax worksheets and a paid subscription. Corvee Tax Planner is a paid web alternative. Optiml is worth considering for paid, what-if planning with stored plans and email support.

Verdict

Dhanlytics is a strong free choice for Indian individuals who want tax-aware, multi-decade projections and meaningful scenario testing without sending financial records to a vendor’s servers. Its breadth, offline mode and exports make it more capable than a basic calculator. Look elsewhere if your priority is investment execution, account management or a collaborative professional workflow rather than simulation.