My Sahayogi · Personal Finance · Live

Your financial life, in one app. Built for every Indian managing their own money.

Your salary. Your expenses. Your payslips. Your financial documents. Your goals. Right now, they live in five different places — an email inbox, a bank app, a shared drive folder, a WhatsApp message to yourself, and memory. My Sahayogi puts them in one place. And keeps them there.

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Expenses · Salary · Payslips · Documents · Goals · One App

The problem

The financial picture that nobody ever sees in full.

Your salary comes in. Expenses go out. Payslips land in your email, documents get buried in folders, and somewhere between all of it — you lose track of the full picture.

Not because you’re careless. Because there is no system designed to hold it all together.

Your bank app shows transactions — but not categorised, not against a budget, not connected to what you earn versus what you spend over time. Your email has every payslip you’ve ever received — but buried under hundreds of other messages, with no way to quickly see your salary history or calculate what’s changed over the years. Your financial documents — Form 16, investment proofs, insurance policies, loan agreements — exist somewhere, in some folder, on some device, and finding any one of them when you need it is an exercise in memory and luck.

And nobody — not your bank, not your employer, not your CA — is watching the whole picture with you.

My Sahayogi is the personal finance application built for exactly this situation. Not a budgeting app that tracks spending in isolation. Not a document storage app that files papers without context. The full picture: what you earn, what you spend, what you’ve documented, what you’re working toward, and how all of it connects.

You don’t know your actual financial position
Your bank balance is not your financial position. Your financial position includes what’s in your savings account, what’s invested, what you owe, what recurring expenses are coming, and what your net worth is trending toward. Almost nobody has this picture. My Sahayogi builds it.
Payslips are scattered across years of email
Every payslip you’ve ever received is in your inbox — somewhere. Finding the one from three years ago that your loan application requires means scrolling through hundreds of emails or hoping you can remember which month it was. My Sahayogi stores every payslip in one organised place, accessible in seconds.
Financial documents exist in a state of productive chaos
Form 16. Insurance certificates. Loan agreements. Investment statements. They’re all somewhere — different folders, different emails, different devices. You know they exist. You can’t always find them quickly when you need them. My Sahayogi organises your financial life’s paperwork into one permanent, searchable home.
There is no view that connects income to goals
You know roughly how much you earn. You know roughly what you spend. But whether you’re on track to reach a financial goal — a specific savings target, a purchase, an investment milestone — requires arithmetic that almost nobody does manually. My Sahayogi tracks it automatically.

What My Sahayogi does

Every piece of your financial life. Organised. Connected. Clear.

Feature 1 — Expense Tracking

Your money, categorised. Automatically.

My Sahayogi tracks every expense — categorised by type, visualised over time, and compared against income so you always know where your money is going and how it relates to what you’re earning. Not a manual log you have to update. An automatic, intelligent record.

Expense categories are Indian-context relevant — rent, EMIs, groceries, dining, utilities, fuel, education, healthcare, investments — configured for the way Indian households actually spend, not for generic global templates.

What you see

Expense breakdown by category for any time period
Spending trends over months and quarters
Income vs. expense ratio — how much of what you earn you’re keeping
Budget vs. actual comparison for categories you want to track
Biggest expense categories and where increases are happening

Feature 2 — Salary & Income Records

Every rupee you’ve earned. In one clear record.

My Sahayogi maintains a complete income record — salary, freelance income, rental income, investment income — across all sources and all time periods. The salary record is not just a number; it’s a history: what you earned at each employer, how your compensation has grown, what the components were, and how changes affected your take-home.

For freelancers and gig workers managing variable income — where the question “what did I earn this year?” requires assembling payments from multiple sources across twelve months — My Sahayogi maintains the consolidated record automatically.

What you see

Salary history across employers and time periods
Income by source (salary, freelance, rental, investment)
Take-home calculation with deductions visible
Year-on-year income growth
Annual income summary — useful for loan applications, tax filing, and financial planning

Feature 3 — Payslip Management

Every payslip. Organised. Findable. Always.

My Sahayogi is the permanent home for every payslip — from your first job to your current one. Upload payslips as you receive them, or connect to your employer’s payroll system where available. Every payslip is stored, tagged by employer and period, and searchable by any field — month, year, employer, CTC, or take-home.

When a bank asks for your last three payslips for a loan. When your CA needs your salary slips for tax filing. When you want to check what your in-hand salary was two jobs ago. My Sahayogi finds it in seconds.

What you can do

Upload and store payslips from any employer
Search payslips by employer, period, or amount
Download any payslip instantly when needed
Compare payslips across periods to see salary changes
Share specific payslips with CAs, banks, or HR for verification

Feature 4 — Financial Document Storage

The filing cabinet your financial life has always needed.

Form 16. Investment proofs under Section 80C. Insurance policy documents. Loan agreements and NOC letters. Property documents. Bank statements. Pension documents. The paperwork that governs your financial life — and that you need to produce at unpredictable moments — organised in one secure, permanent place.

My Sahayogi’s document storage is built around financial document categories — tax documents, insurance, investments, loans, property — so your papers are organised by type and period, not just filed in a generic folder.

Document categories

Tax documents (Form 16, Form 26AS, ITR acknowledgements)
Investment proofs (ELSS, PPF, NPS, insurance premium receipts)
Insurance policies (life, health, vehicle, property)
Loan documents (sanction letters, agreements, NOCs)
Bank documents (statements, fixed deposit certificates)
Property documents
Custom categories for any other financial paperwork

Feature 5 — Planning Dashboards

The view that connects where you are to where you’re going.

My Sahayogi’s planning dashboards give you the financial picture that no single bank app or investment statement provides: income vs. expenses vs. savings, tracked over time, against the goals you’ve defined. Not a one-time snapshot — a live view that updates as your financial life moves.

Set a savings target. Set an investment milestone. Set a large-purchase goal. My Sahayogi tracks your progress automatically — showing whether you’re on track, how many months ahead or behind you are, and what it would take to close the gap.

Dashboard views

Income vs. expense summary (monthly, quarterly, annual)
Savings rate — what percentage of income you’re keeping
Goal progress tracking with time-to-goal estimates
Financial calendar — upcoming EMIs, renewals, due dates
Net worth snapshot — what you own vs. what you owe

Feature 6 — Net Worth Tracker

The number that actually tells you how you’re doing.

Your bank balance tells you what’s in your account right now. Your net worth tells you where you stand financially — the total of everything you own minus everything you owe. It is the one number that tracks genuine financial progress over time, and almost nobody calculates it regularly.

My Sahayogi calculates and tracks your net worth automatically — updating as your investments grow, your EMIs reduce, your savings accumulate, and your financial position evolves. Watch it grow over months and years, and understand what’s driving the change.

What’s included

Assets: bank balances, investments, provident fund, property estimates
Liabilities: outstanding loans, credit card balances, other obligations
Net worth over time — monthly tracking and trend view

Who My Sahayogi is for

If you earn money and want to understand what’s happening to it — this is for you.

The salaried professional with a stable income who has never quite understood where it all goes — whose bank account tells them what happened but not why, and who wants the discipline of a real financial picture without the complexity of professional financial management.
The freelancer or consultant managing multiple income streams across multiple clients and platforms — where “what did I earn this quarter?” requires assembling data from three payment portals, two bank accounts, and a spreadsheet that hasn’t been updated in two months. My Sahayogi consolidates it.
The young professional in their first or second job — building financial habits, trying to save consistently, wondering whether they’re making the right decisions with their money, and needing a clear view to make those decisions from.
Anyone who has recently changed jobs, taken on a loan, or made a significant financial decision and needs their complete financial picture — income history, document history, current position — organised and accessible in one place.

How it connects to the ecosystem

Personal finance that connects to the full Sahayogi picture.

My Sahayogi → Investor Sahayogi

The personal financial picture in My Sahayogi — what you earn, what you spend, what you save, and what your net worth is — informs the investment planning conversation with Investor Sahayogi. How much investable surplus is genuinely available, what the liquidity requirements are, and what financial goals need to be funded: all of this is visible in My Sahayogi and directly relevant to Investor Sahayogi’s planning framework.

My Sahayogi → Tax Sahayogi

Income records and expense documentation in My Sahayogi are directly relevant to tax filing. The salary history, Form 16 documents, investment proofs, and rental income records stored in My Sahayogi feed into Tax Sahayogi’s filing assistance — eliminating the scramble to gather documents at filing time and ensuring the return reflects the complete income picture.

My Sahayogi → Sahayogi AI

Personal finance data from My Sahayogi is accessible through Sahayogi AI — giving users a single view of their personal financial position alongside any professional or business financial data from other connected products. “Am I on track to meet my savings goal this year?” and “What were my total expenses this month?” are questions Sahayogi AI answers from My Sahayogi data.

See the full ecosystem →

Your financial life deserves a home.

Not an inbox. Not a shared drive folder. Not a combination of bank apps and memory. One organised, permanent, connected place — where your income, your expenses, your documents, and your goals all live together and make sense as a whole.

Get Started See the full ecosystem Write to us

Common questions

Frequently asked questions.

What is My Sahayogi?

My Sahayogi is a personal finance application built by Sahayogi One Private Limited for salaried professionals, freelancers, and individuals in India. It covers expense tracking, salary and income records, payslip management, financial document storage, planning dashboards, and net worth tracking — giving every Indian a single organised view of their complete financial life.

How is My Sahayogi different from a banking app?

A banking app shows transactions in a single account. My Sahayogi provides the full personal financial picture — across all income sources, all expense categories, all stored financial documents, and all financial goals — in one organised place. It also stores payslips and financial documents permanently, tracks net worth over time, and connects to Investor Sahayogi for investment planning and Tax Sahayogi for filing support.

Can My Sahayogi store payslips from multiple employers?

Yes. My Sahayogi stores payslips from any employer across any time period — organised by employer and period, searchable by month, year, or amount. Payslips can be uploaded manually and are stored permanently in the application.

How does My Sahayogi connect to Tax Sahayogi?

Income records, salary history, Form 16 documents, investment proofs, and other financial documents stored in My Sahayogi are relevant to tax filing. When using Tax Sahayogi’s filing assistance, the documents and income records in My Sahayogi eliminate the need to gather paperwork at filing time and ensure the return reflects the complete financial picture.

How does My Sahayogi connect to Investor Sahayogi?

The personal financial picture in My Sahayogi — income, expenses, savings rate, and net worth — directly informs Investor Sahayogi’s financial planning. Knowing the genuine investable surplus, the liquidity requirements, and the financial goals defined in My Sahayogi makes Investor Sahayogi’s investment planning more precise and more relevant to the individual’s actual situation.