First salary earners
A salary budget app that turns take-home pay into a daily number, so the month doesn't run out before the money does.
Know what you can spend till payday.
YojIQ is a budget planner app for Android that works offline. Split bills with friends and plan your money in the right order, all without leaving your phone.
Free. No sign-up, no bank linking.
One number for today.
Add an expense as a Need, a Want or Savings, and YojIQ works out what is left for the rest of the month.
- Money left until payday, and a safe amount to spend each day
- Needs, Wants and Savings budgets: 50-30-20 by default, yours to adjust
- Close each month with your bank balance to keep a clean record
- Recurring expenses and your own subcategories
Who YojIQ is for.
YojIQ is built for salaried people in India who want a clear monthly budget and a plan, without handing their financial data to anyone.
Flatmates and friends
Split rent, groceries and trips by equal amounts, exact amounts, percentages or shares, and settle up with fewer payments.
Young families
Build an emergency fund first, then work out health and term cover before starting SIPs.
People who value privacy
No sign-up, no bank linking and no internet permission. Your numbers never leave the phone.
Anyone just starting to plan
A 50-30-20 budget by default and a four-step plan that tells you what to do next, in order.
Anyone with patchy internet
An offline expense tracker that works the same on a train, in a basement or on flight mode.
How YojIQ works.
Five habits, from payday to month end. Each takes a few taps.
Add your take-home pay
Enter your salary and payday. Budgets split into Needs, Wants and Savings, 50-30-20 by default.
Log expenses as you go
Mark each one a Need, a Want or Savings, and set up recurring expenses once.
Check one number
See money left till payday and a safe amount to spend today.
Close the month
Match your bank balance at month end to keep a clean record for the next cycle.
Follow the plan
Work through emergency fund, health insurance, term insurance and investments in order.
Split bills without the maths.
Keep friends and groups in one place. Add who paid, even when more than one person did, and settle up with the fewest payments.
Equally
Exact amounts
Percentages
Shares
Four ways to split any bill, with debts simplified when you settle.
Plan your money in the right order.
Four steps that unlock one after another, so the basics are in place before you invest. Already have a policy or a quote? Enter your own cover and the plan works from that.
- 1
Emergency fund
A month-by-month plan to build your safety net.
- 2
Health insurance
Cover worked out from your family and your city.
- 3
Term insurance
Life and critical illness cover, from your income and loans.
- 4
Investments
SIP goals, with an optional yearly step-up.
Plans that keep up with you.
Record an appraisal and your budgets adjust from the next cycle. When you need to check a number, the built-in calculators are a tap away.
SIPLumpsumSWPHome affordability
YojIQ is a planning tool, not financial advice.
Your money stays on your phone.
Works fully offline
The app has no internet permission. Your data stays on your phone.
No sign-up, no bank linking
Open it and start. You enter only what you choose to.
No ads, no tracking
Nothing about how you spend is watched or sold.
PIN lock
Keep the app closed to anyone else who picks up your phone.
Hidden from screenshots
Screens stay out of screenshots and the recent-apps view.
Encrypted backup
An encrypted backup file that you export and keep yourself.
YojIQ vs the usual ways to budget.
Most people try a bank-linked expense app or a spreadsheet first. Here is where YojIQ is different.
What you needBank-linked expense appsSpreadsheetsYojIQ
Getting startedBank-linked expense apps: Sign-up, then bank or SMS accessSpreadsheets: Build your own sheet and formulasYojIQ: Open the app. No sign-up
Where your data livesBank-linked expense apps: Usually on the app's serversSpreadsheets: Wherever the file is saved or syncedYojIQ: Only on your phone, with an encrypted backup you keep
Ads and trackingBank-linked expense apps: Common in free appsSpreadsheets: NoneYojIQ: None
What can I spend today?Bank-linked expense apps: Shows what you already spentSpreadsheets: Only if you build itYojIQ: Money left till payday and a safe daily spend
Splitting billsBank-linked expense apps: Usually a separate appSpreadsheets: Manual mathsYojIQ: Built in, with multiple payers and settle up
A plan, not just a logBank-linked expense apps: RarelySpreadsheets: Only if you build itYojIQ: Emergency fund, insurance, then SIPs with step-up
Without internetBank-linked expense apps: Needs a connection to syncSpreadsheets: Works offlineYojIQ: Works fully offline
Bank-linked expense apps and spreadsheets vary. This compares common patterns, not any one product.
Questions about YojIQ.
Updated
What is YojIQ?
YojIQ is a budget planner app for Android. It shows money left till payday and a safe daily spend, splits bills with friends and guides you through a four-step money plan.
Is YojIQ free?
Yes. YojIQ is free to download from Google Play, with no ads.
Does YojIQ work offline?
Yes. The app has no internet permission, so it works fully offline and your data stays on your phone.
Do I need to link my bank account?
No. There is no sign-up and no bank linking. You enter only the numbers you choose to.
How does splitting bills work?
Add a bill to a friend or group, record who paid, even if more than one person did, and split it equally, by exact amounts, by percentages or by shares. Settle up shows the fewest payments needed.
What is the four-step plan?
The plan unlocks one step at a time: an emergency fund, then health insurance, then term insurance, then investments through SIPs with an optional yearly step-up.
How do I keep my data safe if I change phones?
Export an encrypted backup file and keep it yourself. The app also has a PIN lock, and its screens are blocked from screenshots.
Is YojIQ financial advice?
No. YojIQ is a planning tool. Its numbers help you think through your own decisions; for advice on your situation, speak to a qualified adviser.
Guides for planning your money.
- Financial Planning · 6 minutesHow to Create a Personal Financial Plan: A Practical GuideBuild a personal financial plan from your goals, cash flow, emergency reserve, debt, insurance and investments—then turn it into a monthly action list.Read the guide
- Financial Planning · 6 minutesEmergency Fund Calculator: How Much Should You Save?Calculate an emergency fund from essential expenses, income risk and one-time gaps, then choose a realistic monthly amount and a safe place to keep it.Read the guide
- Financial Planning · 6 minutesSIP Calculator Guide: How Much Should You Invest for a Goal?Use a SIP calculator to work backwards from a financial goal, test return assumptions and choose a monthly contribution you can review over time.Read the guide
- Financial Planning · 7 minutesRetirement Planning in India: Estimate Your Corpus and Monthly InvestmentEstimate a retirement corpus from future spending, reliable income and planning scenarios, then work out the monthly investment and risks to review.Read the guide