Stage 1 · First Job
Earning for the first time. Log what you spend and set a base currency.
Life admin, in stages
Money that grows up with you.
Grownz walks your household through 5 money stages toward the Rat Race Exit, in your country and your currency. Start free with just an email.
Where are you right now?
Illustrative scenario, not a forecast or advice.
- 6 countries
- 6 currencies
- No card to start
- No password, a 6-digit code
- Installable web app on any phone
The five stages
One household, five stages, one plan.
Every screen in Grownz knows which stage you are in. Milestones unlock the next one, with a small celebration when they do.
- First Job
- Getting Stable
- Growing
- Building Wealth
- Big Commitments
Stage 2 · Getting Stable
Bills under control. Budgets for every category and a first month closed.
Stage 3 · Growing
Saving steadily. Month in Review names the largest overspend and your savings rate.
Stage 4 · Building Wealth
Emergency fund and insurance in place. Holdings across 7 asset classes start to pay.
Stage 5 · Big Commitments
A home, a family or a business. Down payment funded, freedom ratio climbing.
Milestone rules are the product’s current starting point and can change as Grownz learns. Every card is a real screen from that stage.
See what each stage unlocksWhere Grownz is heading
The redesign puts your next step on every screen.
The five stages become a checklist you can see. Home names the one thing that unlocks the next stage, a logging streak and badges keep the habit going, and a weekly digest lands every Friday.
- Milestones as a checklist, with the screen that completes each one
- Streaks and badges, counted on Home
- A week in review with three things for next week
Design preview from the redesign in progress. Layout and copy can change before it ships; figures are examples.
- Design preview
Your journey: five stages as a checklist
- Design preview
Home, net worth first, next step at the bottom
- Design preview
Your week in review, every Friday
What is inside
Five tabs. Everything life admin asks for.
Home, Money, Grow, Housing and More, exactly as they appear in the app. Plus and Pro features are marked.
Budgets by category
Income versus spending and a monthly summary, with every category against its limit.
ExploreDaily expenses
Log in seconds. Mark a bill with a due date, record a tip, attach a receipt.
GroceriesTransportEating outRent
Plus
Month in Review
7 rule-based insights: total versus budget, largest overspend, savings rate and more. Then close the month.
- Spent vs budget−₹1,453
- Largest overspendShopping
- Savings rate18%
See it move
Three things you will do in your first week.
Log an expense, try a scenario, invite a viewer. Replayed here with example figures; the real screens are on the feature pages.
example
Daily expenses
₹
GroceriesTransportEating outRent
Save expense
Saved. Groceries is at 62% of its limit.
Reminder raisedRent due 1 Oct
example
Scenario Lab
Monthly saving to passive₹6,000 → ₹18,000
Freedom ratio in 24 months
Illustrative scenario, not a forecast or advice. Nothing is saved.
example
Invite a viewer
ExpensesBudgetsSavingsDebtsPlannerDocuments
Owner sees
Rent ₹28,000
Viewer, summary
Rent ₹28,000
Rent ••••••
The freedom ratio
See how far you are from the Rat Race Exit.
Passive income divided by monthly expenses. Below 25% is starting, below 100% is building, and at 100% your assets pay for your life.
- Passive income a month
- ₹12,000
- Expenses a month
- ₹48,000
Illustrative scenario, not a forecast or advice.
Family sharing
Share what you choose, and only that.
Invite a partner or parent with a code that expires in 7 days. Pick 6 areas, full detail or summary. Viewers never edit.
Owner · full example
- Rent₹28,000
- Groceries₹9,400
- Emergency fund₹1,20,000
Hover or focus to see what a summary viewer gets.
Invite code example
K7PM3Q9D
Viewer · Partner · expires in 7 days
- Expenses
- Budgets
- Savings
- Debts
- Planner
- Documents
example
Invite a viewer
ExpensesBudgetsSavingsDebtsPlannerDocuments
Owner sees
Rent ₹28,000
Viewer, summary
Rent ₹28,000
Rent ••••••
Seats: Free 0, Plus 1, Pro 5. In summary mode every amount is blanked on the server before it reaches the viewer.
AI on your key
Ask Claude about your numbers. On your own key.
Part of Pro. Paste an Anthropic key, Grownz seals it, and Claude explains, checks context or reads a receipt. No AI upsell, no metering, nothing stored.
Read my numbers
A plain-English read of your planner in under 120 words. Facts about your numbers only, no product recommendations.
Market context
Deposit rates, bond yields and recent central-bank moves where you live, with sources. At most 3 searches per answer.
Read a receipt
A receipt in the vault pre-fills the expense form. You review and submit. Nothing is saved on its own.
Your own key
Paste an Anthropic key. Grownz seals it with a server secret, never logs it, shows only the last 4 characters. You pay Anthropic directly.
Included in Pro. Facts only. Never recommends an investment. Nothing is saved automatically. You pay Anthropic directly, and Grownz adds no AI charge.
How AI works in GrownzSecurity
Built for a sceptical reader.
Multi-tenant by household, with the database enforcing who sees what. The proof is in the repository, not on a badge.
Your household, your rows
Postgres row-level security on a restricted database role, tested across households.
An audit log that only appends
Update and delete are revoked on it at the database.
No token in the browser
Sessions live in an httpOnly cookie behind a server proxy.
Your Claude key, sealed
Encrypted with a server secret, never logged, only the last 4 characters shown.
Written down
11 architecture decision records, a threat model, a data-classification register and a published OpenAPI spec.
Pricing
Free to start. Plus and Pro when you need them.
Prices in your currency, billed by Razorpay in India and Stripe everywhere else. Grownz never sees your card or UPI details.
Yearly, 2 months free. No card to start. Cancel any time.
Free
No cardEverything a first job needs, for as long as you like.
₹0a month
for as long as you like
Track
- Budgets and Daily expenses
- Goals and reminders
Plan
- Freedom ratio and the Rat Race Exit Planner
- Housing, insurance, loans
Keep
- Documents vault
- Learn
Plus
Most householdsFor a household that closes the month and tries scenarios.
₹299a month
or ₹2,990 a year
On us during the beta
Everything in Free, plus
- Month in Review with insights
- Scenario Lab
Share
- Receipts attached to expenses
- 1 family seat
Why this plan?
Month in Review is where the savings rate and the largest overspend show up, and Scenario Lab is where the freedom ratio becomes a plan.
Pro
For a family that wants AI on its own key and a yearly risk check.
₹599a month
or ₹5,990 a year
Everything in Plus, plus
- Ask Claude about your numbers, on your key
- Annual risk review with history
Share
- 5 family seats
Prices are per household per month. Indian households pay in rupees through Razorpay (cards and UPI); every other household pays in US dollars through Stripe. Grownz never sees your card or UPI details. Cancel any time and keep what you paid for to the end of the period. During the beta, Plus is granted on us and no payment is taken.
Households like yours
Three households, three stages.
Grownz has no named customers yet, so here are 3 example households that show what each stage looks like in the product.
India, INR
exampleA first payslip in Pune
Stage 2 of 5 · Getting Stable
Budgets set for every category, first month closed, emergency fund at 1 month.
UAE, AED
exampleA couple renting in Dubai
Stage 3 of 5 · Growing
Rent versus buy says rent for now. Scenario Lab shows what a 2-year deposit plan does to the ratio.
UK, GBP
exampleA family of 4 in Manchester
Stage 4 of 5 · Building Wealth
Cover in place, 1 viewer seat for a parent on summary detail, passive income starting to count.
Example households, written to show the stages. Not customers and not testimonials. Grownz will name real households only with their consent.
Questions
Straight answers.
Do I need a card to start?
No. You sign in with a 6-digit code sent to your email, then answer 3 questions: your name, your country and your life stage. The Free plan has no card step.
What is the freedom ratio?
Your passive income divided by your monthly expenses, shown as a percentage. Below 25% the planner calls it starting, below 100% building, and at 100% or more, free. That last band is the Rat Race Exit.
Which countries and currencies does Grownz support?
India, the United Arab Emirates, the United Kingdom, the United States, Singapore and Australia, with INR, AED, GBP, USD, SGD and AUD. Rates refresh daily.
Is there an iOS or Android app?
Grownz is an installable web app. Add it to your home screen on any phone and it opens full screen, with an offline shell. Native store apps are not available yet.
Does Grownz give financial advice?
No. Grownz gives scenarios, not forecasts, and filters, not advice. It never recommends an investment or promises a return. For decisions about your money, consult a licensed adviser.
How does AI work in Grownz?
On your own Anthropic key, as part of the Pro plan. You paste the key, Grownz seals it with a server secret, and Claude reads your numbers, checks market context or reads a receipt. Nothing it writes is stored, and you pay Anthropic directly.
Can my partner see my numbers?
Only what you choose. Invite them with a code, pick the areas they can see, and choose full detail or a summary. In summary mode every amount is blanked before it leaves the server.
