Medha (मेधा) — Sanskrit for wisdom, intellect, the capacity to retain and apply knowledge. Wealthmedha: financial wisdom, earned through clarity, not persuasion.
Every bank, broker, and advisor profits when you buy their product. We don't. Six decision models. No commissions. No agenda. Just the numbers.
Most financial information in India is produced by people who earn money when you buy something. A bank recommending a ULIP, a broker pushing a property, an agent selling an endowment plan — all have a reason to steer you toward the product that pays them. That is not advice. It is marketing.
AI tools make it worse. They are trained to be agreeable. You give them biased inputs, leave out inconvenient details, and they tell you what you want to hear. Our models cannot appease you — the result is the same whether you like it or not.
Wealthmedha is built on one principle from Cialdini's Influence: people make better decisions with accurate information, not persuasion.
If a product is free, you are the product. We charge a small one-time credit fee. The smallest price you will pay for advice with no other agenda.
AI tools are trained to be agreeable. You give them biased inputs, leave out inconvenient details, and they tell you what you want to hear. Our framework cannot appease you. The numbers are the numbers.
We earn nothing when you buy a property, take a loan, or choose an insurer. No referral fees, no sponsored results, no affiliate links. Our only income is your one-time credit fee — which is why we can afford to be honest.
Every model uses the same methodology professionals use — XIRR, perpetuity corpus, sequence-of-returns simulation, EMI amortisation. Not rules of thumb.
When the numbers say don't buy, we say don't buy. When renting beats buying, we say so. We have nothing to gain from steering you either way.
All calculations happen in your browser. Your income, savings, and property details never reach our servers. We don't know what you earn.
Each model is built for a specific decision — not general advice. Enter your numbers, get a rigorous, unbiased output.
An honest, numbers-driven answer to the biggest housing decision you'll make. Financial affordability score + 20-year wealth projection comparing both paths.
Before you sign, run the numbers. Rental yield, cash flow, appreciation potential, construction quality, and builder risk — scored together, not sold to you separately.
Builders make payment plans confusing deliberately. This tool compares up to 5 plans on present value — accounting for pre-EMI, possession delays, and the time value of money.
The number your agent quotes is almost never the right number. Built on your actual liabilities, income replacement need, and dependant costs — not a rule of thumb.
Your agent shows you the promised return. This shows you the real return — after tax, after inflation — and compares it to what an FD or equity investment would have earned you.
Will your savings last as long as you do? Simulated across three market scenarios, including the sequence-of-returns risk that optimistic projections always hide.
We follow the principle of reciprocity — let you experience the value before asking for anything. Two free credits, no strings attached. And when you choose to pay, remember: the one-time credit fee is what keeps us on your side, not the product provider's.
No sign-up needed. Enter your real numbers and run the model.
Each successful model run uses one credit. Two credits, completely free.
Sign up to unlock 2 more credits. No payment required at this stage.
Buy a credit pack that suits you — from ₹249 for 10 credits to ₹4,999 for unlimited. Credits never expire.
A wrong property call costs lakhs. A mis-sold policy costs more. One serious use pays for the credits many times over.
First-time visitor. Try before spending anything.
One financial decision — a property, a policy, or a single goal.
A complete financial review — property, insurance, and retirement together. Most individuals and families.
Multiple decisions across the year. Couples, families, or anyone who revisits decisions often.
CAs, financial advisors, serious planners — unlimited use with no limits and no future payments.