SparDhan

SparDhan is a personal finance app built for one specific situation: living and earning in Germany while your financial life still has roots in India.

If you're an Indian professional in Germany — managing a German salary, savings, and pension while also tracking family obligations, investments, or property back home — most finance apps fall short. They show you either your German euros or your Indian rupees, never both. SparDhan brings them together.

WHY SPARDHAN IS DIFFERENT

See your full picture, not half of it
Track income, expenses, accounts, and net worth across both EUR and INR in a single dashboard, with live exchange rate context. No more switching between two apps and doing the conversion math yourself.

Understand the cost of decisions before you make them
Our Goal Tradeoff Engine turns spending into plain language: "This €1,200 purchase delays your house deposit goal by 3 months." See the real impact of today's choices on your house, car, emergency fund, or early-retirement plans — instantly.

WHAT'S INSIDE

Goals & Budgets
- Set goals for a house deposit, car, emergency fund, or financial independence
- Monthly budgets by category with clear over/under tracking
- Goal Tradeoff Engine shows how purchases affect your timelines

Germany-Specific FIRE Calculator
- Calculates your financial independence number using German realities: statutory pension (Gesetzliche Rente), capital gains tax (Abgeltungsteuer), and the annual tax-free allowance (Sparerpauschbetrag)
- Generic FIRE calculators assume US tax rules — this one doesn't

DTAA Tax Guidance
- Plain-language guidance on the India-Germany Double Taxation Avoidance Agreement
- Understand how income, interest, or investments in India may be treated for German tax residents
- Educational guidance only — always confirm specifics with a qualified tax advisor

Remittance Fee Comparison
- Compare transfer fees and exchange rates across 5 major providers before sending money to India
- Built for the recurring EUR-to-INR transfers that are part of expat life

SIP & Mutual Fund Optimizer
- Plan and project your Indian SIP (Systematic Investment Plan) contributions
- Model long-term mutual fund growth alongside your German savings goals

Net Worth Tracker
- Track assets and liabilities across both countries in one view
- Watch your total net worth grow over time, in your preferred currency

Weekly Financial Health Score
- A simple 0-100 score reflecting your savings rate, budget discipline, and goal progress
- Updated weekly so you always know where you stand

AI Guru — Your Finance Assistant
- Ask questions about your spending, goals, or financial situation in plain English
- Powered by Claude AI, with context from your own financial data

ABOUT THE AI ASSISTANT AND FINANCIAL INFORMATION
SparDhan's AI Guru and all calculators (FIRE, DTAA, SIP, tax guidance) are provided for educational and informational purposes only. They do not constitute licensed financial, tax, investment, or legal advice, and SparDhan is not a financial advisor or tax professional. Always consult a qualified, licensed financial advisor or tax professional before making financial decisions.

PRIVACY
Your financial data is stored on your device. SparDhan does not sell your data or share it with third parties for advertising.

FREEMIUM MODEL
SparDhan is free to use with core budgeting, goals, and net worth tracking. SparDhan Pro unlocks AI Guru, DTAA guidance, remittance comparison, SIP optimizer, and unlimited goals via auto-renewing subscription.

WHO IT'S FOR
Indian engineers, consultants, and professionals working at companies like SAP, Siemens, Bosch, or in finance and tech across Germany — anyone juggling a German paycheck and an Indian financial life, who wants one calm, clear place to plan it all.

SparDhan — "Spar" (German: save) + "Dhan" (Hindi: wealth). Save smart, on both sides of the border.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/