Dhanlytics review
A free browser-based simulator for multi-year Indian tax and financial planning.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Dhanlytics is a browser-based financial life simulator for Indian users who want to model taxes, income, investments, expenses, loans, goals, and life events over multi-year and multi-decade timelines. It is particularly suited to individuals and small households comparing the old and new tax regimes, planning retirement withdrawals, or evaluating how different financial choices affect future outcomes. The product is currently free, with all features available and no credit card required.
Its strongest differentiator is the breadth of its planning model. Dhanlytics covers salary, freelance, rental, dividend, and capital-gains income, then combines those inputs with tax-regime comparisons, annual optimization, loan and EMI calculations, retirement drawdown sequencing, and life-event timelines. What-if scenarios can be compared side by side, while Monte Carlo simulations run 1,000+ trials. PDF and JSON exports give users a way to retain or share plan outputs, and offline Progressive Web App support extends access beyond an active connection.
Dhanlytics also has a focused platform and data approach. It runs on the web, can be deployed as an offline Progressive Web App, and stores financial data locally in the browser. That combination fits users who want a private planning workspace without an investment execution layer. The trade-off is scope: it is a simulator rather than a platform for placing investments, and support is centered on email and documentation. Choose Dhanlytics for detailed personal tax and financial modeling; choose an alternative if execution features or a broader application ecosystem are essential.
Dhanlytics pros and cons
- Where it wins
- Free access includes all currently available features
- Models multi-year taxes, income, retirement, loans, and life events
- Supports side-by-side scenarios, Monte Carlo projections, and exports
- Where it doesn't
- Available on the web rather than as a native desktop or mobile app
- Focused on planning, not investment execution
- Support is provided through email and documentation
Dhanlytics fact sheet, pricing and score →
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