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.

Hi Product Hunt 👋 We're the team at AiRedHQ. We built YojIQ for salaried people in India whose month runs out before the money does.

Instead of a wall of charts, YojIQ gives you one number: what's safe to spend today until payday. Around it:

• Salary split into Needs, Wants and Savings (50-30-20 by default, adjustable)

• Bill splitting for flatmates, trips and office lunches: equal, exact, percentage or shares, with settle-up in fewer payments

• A plan in order: emergency fund, then health cover, then term cover, then SIP (figures are estimates to plan with, not advice)

• Calculators for SIP, lumpsum, SWP and home affordability

Privacy is the core: the app has no internet permission at all, so there's no sign-up, no bank linking, no ads and no tracking. Your data stays on your phone, with a PIN lock and encrypted backups you keep.

It's Android-only and India-first, and it's now free on Google Play: https://play.google.com/store/ap...

What would make a money app useful enough that you'd open it every day?

We're the team at AiRedHQ building YojIQ, an Android money planner for salaried people in India.

It has no internet permission at all: no sign-up, no bank linking, no ads, no tracking. Everything stays on the phone, and backups are encrypted files you keep yourself.

The trade-off is that it can't read your bank SMS or sync across devices, so you add expenses yourself. For you, is that a deal-breaker or a feature? What would make you trust (or not trust) a finance app with your numbers?