Your salary grew.
Your surplus didn't.
Between EMIs, rent, and a lifestyle that quietly grew with every hike, "surplus" can feel like a made-up number. SnowballIQ finds whatever's actually left — ₹2,000 or ₹2,00,000 — and turns it into a sequence: which goal first, how much a month, and the date it's done.
Where a hike actually goes
Illustrative example — one salary, three years apart.
"The salary doubled. The surplus shrank."
Sound familiar? You're not bad with money — the math was never in your favour.
Does this sound like you?
What's your real surplus?
Type your actual numbers. No sign-up, nothing saved — just the math nobody shows you.
Big or small, your surplus deserves a sequence
A goal without a plan is just a wish. SnowballIQ turns "I want to build a house" into a date on a calendar.
House Construction
Plot Extension
Car
From "someday" to a date
Tell us the real numbers
Income, EMIs, rent, the works — not estimates. We treat your EMIs as fixed obligations, not part of the surplus math.
We sequence your goals
Whatever's left splits 70/20/10 across your goals in order. One goal gets funded first — fully — before the next kicks in.
Watch the timeline move
See exactly when each goal finishes — and what happens to your plan the moment an earlier goal frees up its share.
Stop guessing where your money goes.
See your real surplus — however big or small — sequenced into goals with dates. Free to start, no card.