Web app · Finance
Sanchay
Every family PPF, SSY, NSC and SCSS account in one offline ledger
Track balances and deposits across banks and post offices, see in rupees what depositing after the 5th costs you, never let an account go dormant, and roll every financial year up into an 80C total. Free, no login, nothing leaves your browser.
Stored in your browser only. Nothing you do in the web version is sent to our servers. Clear your browser data and it's gone — so export a backup from the in-app menu if you want to keep it.
This app is a community proposal.
Try the full browser version now. We build the iPhone and Android app once 100 people upvote it.
We'll email you once, when it ships. Unsubscribe anytime.
In your browser
What you can do in Sanchay on the web
The whole family in one ledger
Your PPF, your spouse's PPF, each daughter's SSY, the NSC certificates, a parent's SCSS — grouped by holder, with balances, rates, institutions and the full deposit history.
The 5th-of-the-month rule, in rupees
Deposit after the 5th and that month's interest is gone. Sanchay shows the exact amount per account, and what a whole year of late deposits costs.
April 1–5 versus a monthly drip
Ports the real interest maths: a lump sum on April 1 earns for all twelve months, twelve on-time monthly deposits earn 78 month-units. The difference is shown as a rupee figure per account.
Dormancy protection
Watches the ₹500 PPF and ₹250 SSY annual minimums against this financial year's deposits and tells you exactly how much is still short before 31 March.
Family maturity ladder
Every account's span on one timeline plus a year-by-year milestone list — PPF loan year 3, partial withdrawal year 7, 15-year maturity, SSY age-18 withdrawal and age-21 maturity, NSC and SCSS end dates — each with a projected value.
80C rollup and CSV for your CA
Pick a financial year and see deposits per account against the ₹1,50,000 limit, with a bar chart across years and a deposit-by-deposit CSV download.
Screens
Every screen, rebuilt for the browser
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1
Accounts
Family corpus, the next deposit deadline, dormancy warnings and every account grouped by holder.
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2
Account detail
Balance, rate and institution, this year's deposits against the minimum and ceiling, milestones and the full deposit log.
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3
Add or edit an account
Scheme, holder, bank or post office, opening balance, published rate, annual target and which deadlines to watch.
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4
Log a deposit
Amount, date and note — with a live warning when the date falls after the 5th and a ceiling check against the ₹1,50,000 annual limit.
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5
Deadlines
The next 5th-of-the-month date per account, the April 1–5 window, and dormancy protection for the yearly minimums.
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6
Timing
What late deposits cost and what an April-1 lump sum earns, account by account, at your entered rates.
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7
Maturity ladder
Account spans across the family's whole horizon plus a year-by-year milestone timeline with projected values.
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8
Extension planner
The year-15 PPF decision: close out, extend five years with deposits, or extend without them.
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9
Tax year
The deposit log by financial year and the Section 80C rollup with per-account breakdown and CSV export.
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10
Settings
Published rates per scheme, deadline lead time, the scheme rules table, backup, sample data and erase.
Try it with sample data: Loads a six-account family portfolio — two PPFs, two SSYs, a parent's SCSS and an NSC certificate — with sixteen deposits including six months of a standing instruction, some of it deliberately posted after the 5th. You can start fresh at any time.
Ready? It's free.
No account, no install, no subscription. Everything you do stays in this browser.
Your say
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Questions
Is the web version of Sanchay free?+
Yes. Every screen is free to use: no subscription, no in-app purchases, no account.
Do I need an account?+
No. Open Sanchay and start using it right away. Sign in with Google only if you want to upvote an app, save it to your list, or leave a comment.
Where is my data stored?+
Only in this browser's local storage. Nothing you enter is sent to our servers, so we can't see it, back it up, or restore it. Clearing site data, a private window, or another device starts empty. Export a backup from the in-app menu to keep it.
Is there a Sanchay app for iPhone or Android?+
Not yet. Sanchay is a community proposal: the browser version is complete, and we build the iPhone and Android app once 100 people upvote it. Upvoters get one email when it ships.