Track your PF balance, estimate your retirement corpus, calculate your in-hand salary, and use a full set of financial calculators — all in one simple app built for salaried employees in India.

★ CHECK YOUR PF BALANCE
No time for the EPFO portal? EPFO also offers balance updates through its missed-call and SMS services: from your UAN-registered mobile number you can request your latest EPF balance and contribution details, and EPFO sends them to you by SMS. (For the current missed-call number and SMS format, refer to EPFO's official channels.)
Simply share that SMS with the app and your balance is saved automatically.
✔ No login required
✔ No SMS permission required
✔ No manual data entry
✔ Keep a history of your balances and contributions

★ RETIREMENT PLANNER
Your EPF balance is more than just a number. See:
• Estimated retirement corpus
• Projected monthly retirement income
• A retirement readiness score
• Action plans to improve your outcome
• Monthly progress snapshots
Explore different contribution scenarios to see how today's savings could shape your future (estimates only).

★ SALARY & TAX
• Import your salary slip or Form 16 — pick a PDF or photo and the app reads it on your device to pre-fill your salary details for you to review. No upload, no login — nothing leaves your phone.
• Salary breakup calculator — estimate your monthly in-hand pay from CTC, with Basic, HRA, PF and estimated tax
• New vs Old Tax Regime calculator — compare both regimes and see which could save you more
• Effective tax rate, plus an estimated refund or shortfall from the tax already deducted
• Track your salary month to month, and see how investing part of a raise could add to your retirement corpus (estimates only)

★ FINANCIAL CALCULATORS
• EPF & NPS calculators
• SIP & mutual fund returns
• Loan EMI
• PPF, FD & RD maturity
• Simple & Compound Interest
• GST calculator
• Currency converter with live exchange rates

★ MONEY MANAGER & BUDGET TRACKER
Track daily income and expenses, set monthly budgets, and keep your spending on track. Entries are stored on your device.

★ PRIVACY FIRST
The app never asks for your EPFO password or portal login. It works only with information you choose to share, and your data is stored on your device — no account needed.

OFFICIAL GOVERNMENT SOURCES
For official figures, rules and services, always refer to the original government sources:
• EPF / PF & UAN — Ministry of Labour & Employment (Govt of India): https://www.labour.gov.in
• Income Tax Department: https://www.incometax.gov.in
• GST Portal: https://www.gst.gov.in
• PFRDA / NPS: https://www.pfrda.org.in

DISCLAIMER:
This app is an independent private utility and is NOT affiliated with, endorsed by, authorized by, or representing EPFO, the Income Tax Department, GST authorities, PFRDA, any bank, or any Government of India entity. EPFO's missed-call and SMS services are provided by EPFO itself; this app only helps you save, track and understand the information you receive. All figures are estimates for information only, are not official records, and are not financial advice — please verify important decisions on the official sources listed above.