YojIQ
Offline money planner: know what's safe to spend today
Get picks like this daily. Today's launch numbers, the top launches, AI and tech news, and a daily opportunity pick, straight to your inbox.
Want to reach these readers? Sponsor an issue.
YojIQ is an Android money planner for salaried people in India. It shows the money left till payday and a safe amount to spend today, splits your salary into Needs, Wants and Savings, and splits bills with flatmates and friends. Then it gives you a plan in order: emergency fund, health cover, term cover, then SIP. It has no internet permission: no sign-up, no bank linking, no ads, no tracking. Your data stays on your phone.
PH · launched Nov 10, 2026 · 6 upvotes (top 4%) · 0 views
Niche: personal finance and budgeting apps · 424 launches, 53 in the last 7 days ▲ +4% · Explore this niche →
Category and tags
- Fintech
- Vertical SaaS
- B2C
- Not AI
- Commercial product
- Android
- Fintech
- Privacy
Visit website ↗ Source listing ↗
More like this: all 424 launches in personal finance and budgeting apps →
Could you build this?
Partial The budgeting, salary split and bill-splitting features are straightforward, but the advice on emergency funds, insurance and investments touches regulated financial advice in India that needs expert review.
What it would actually take: An offline Android app (Kotlin or Flutter) with a local database for salary cycles, categories and shared-expense ledgers. The recommendation engine should be rule-based and reviewed by a SEBI-aware financial planner or compliance adviser, because suggestions about term cover and investments can count as regulated advice. Tax and insurance rules also need current, accurate inputs.
Competitors
Other products that read as similar to this one : 202 launches clear the similarity bar, closest 8 shown.
Attention rank: #4 of 203 (itself plus its competitors, highest first, normalized so YC and Product Hunt are compared fairly).
Launched 372 days after the earliest competitor.
- Nijdhan · ph · 2026-11-11 · 1 upvotes · similarity 0.46
- Sajilo · ph · 2026-10-20 · 1 upvotes · similarity 0.43
- Fintraq · ph · 2026-09-28 · 1 upvotes · similarity 0.42
- Moneyloom · ph · 2026-11-10 · 1 upvotes · similarity 0.42
- yomi · ph · 2026-10-02 · 2 upvotes · similarity 0.41
- MyHutang · ph · 2026-11-14 · 1 upvotes · similarity 0.41
- Forbidden Finance · ph · 2026-10-16 · 1 upvotes · similarity 0.40
- Buddzy · ph · 2026-10-27 · 1 upvotes · similarity 0.40
The niche, labels, vibe code rating and competitor comparison on this page are analysis by Nicheloom. If you use them, please credit nicheloom.com. How you may use our data.