Upload any bank statement — CSV, Excel, or PDF. IncomeWave reads it automatically, categorises every transaction, calculates your taxes, and shows your real financial picture.
📊 CSV📗 Excel (.xlsx)📄 PDF statements🏦 Any Indian bank🌍 50+ currencies
incomewave.gcklab.com/dashboard
Total Income
₹4.8L
↑ 12% this month
Expenses
₹1.2L
4 categories
Net Profit
₹3.6L
75% margin
Tax Due (Q2)
₹28K
Due Sep 15
Any
Bank format supported
30+
Countries · Tax rules
50+
Currencies · FX
Free
To get started
How it works
Three steps to financial clarity
No manual entry, no templates, no complicated setup. Just upload and get your complete financial picture.
1
Upload your statement
Drag and drop your bank statement in any format — CSV, Excel, PDF, or OFX. We detect the format automatically and skip any customer info rows at the top.
2
We read and classify it
Our smart engine finds dates, amounts, and descriptions automatically. Every transaction gets categorised — income, travel, software, food, and more.
3
See your full picture
Income smoothing, tax estimates, expense breakdown, cash flow forecast, and AI-powered insights — all in one clear dashboard.
Features
Everything a freelancer actually needs
Built for irregular income, multiple clients, multi-currency payments, and complex taxes.
📄
Any file format
CSV, Excel, PDF statements, OFX — all supported. Auto-detects columns, skips bank header rows with customer info.
Free
📊
Income smoothing
Converts lumpy freelance payments into a stable monthly average — your true earning baseline for budgeting.
Free
🧮
Tax estimation
India FY 2025-26 new and old regime, US, UK, Canada, Australia and more — always the latest government rules.
Pro
💱
Multi-currency FX
50+ currencies, live rates. USD, GBP, EUR income automatically converted to INR for unified reporting.
Pro
🤖
AI Financial Analyst
Powered by Claude. Ask anything about your finances — deduction ideas, expense review, income forecast.
Pro
🧾
Invoice generator
Create GST-compliant invoices in seconds. Live preview, auto-calculate tax, PDF download.
Free
📁
Project profitability
Track income and costs per client or project. Know which work actually pays the best.
Pro
📅
Cash flow forecast
3-month projection based on your income trends. Spot slow months before they arrive.
Pro
👥
Team access
Add team members, share with your accountant, create branded client portals.
Business
Pricing
Simple, honest pricing
Start free. Upgrade when you need more. No hidden charges, cancel anytime.
Starter
₹0 /month
Perfect to get started with your finances.
Upload CSV, Excel, PDF statements
Auto-classify 500+ Indian bank formats
Income & expense charts
Up to 3 projects
Basic invoice generator
Tax estimation
Multi-currency FX
AI Financial Analyst
Cash flow forecast
PDF reports
Pro
₹1,599 /month
Full power for serious freelancers.
✅ Everything in Starter
✅ Unlimited projects & invoices
✅ AI Financial Analyst — ask anything
✅ Cash flow forecast — 3-month projection
✅ Tax estimator — 30+ countries, live FX
✅ Multi-currency FX — 50+ currencies
✅ PDF reports — income, tax, transactions
✅ JSON data export
✅ Project profitability tracker
✅ Priority WhatsApp support
Business
₹3,299 /month
For agencies & high-volume freelancers.
✅ Everything in Pro
✅ Team access — 3 teammates via shared code
✅ Custom invoice branding
✅ Auto tax deadline reminders
✅ Advanced analytics
✅ Client portal — shareable reports
✅ Deep Analysis Suite — Financial Health Score, Runway, Rate Optimizer
✅ Priority WhatsApp support
⚡ Elite — Most Powerful
Elite
₹6,499 /month
The complete financial OS for serious creators & agencies.
✦ Everything in Business
✦ Financial Health Score
✦ Runway Calculator
✦ Freelance Rate Optimizer
✦ Client Revenue Breakdown
✦ Savings Rate Tracker
✦ Income Seasonality Map
✦ Expense Anomaly Alerts
✦ Unlimited team members
✦ White-label invoices
✦ Dedicated account manager
✦ API access
🌍
International payments coming soon. Currently accepting payments in ₹ via Razorpay (UPI, cards, NetBanking). International users: email gurucharan.k@zohomail.in for manual activation.
Reading your file…
This takes just a few seconds
Reading file & detecting format
Skipping header rows, detecting columns
Parsing dates & amounts
Classifying transactions
Computing metrics & tax estimates
Dashboard
Upload a statement to get started
📊
No data yet
Upload your bank statement to see your complete financial picture.
📊 CSV / Excel
Export from your bank's net banking and upload. We auto-detect all columns and skip header rows.
📄 PDF statements
Monthly e-statements from HDFC, ICICI, SBI, Axis — just upload the PDF directly.
🌍 Any format
International banks like Chase, Barclays, Wise, Payoneer also work — just export and upload.
Income Smoothing
ACTUAL vs 3-MONTH ROLLING AVERAGE
Spend by Category
WHERE YOUR MONEY GOES
Monthly Profit
3-Month Forecast
Cumulative Savings
Recent Transactions
Upload Bank Statement
Any format · Any bank · Smart column detection
📂
Drop your bank statement here
or click to browse — CSV, Excel, PDF, OFX all supported
CSVExcel (.xlsx)PDF ✓OFX / QFX
OR
Smart header detection: Your bank statement may have your name, account number, and other info at the top. IncomeWave automatically skips these rows and finds the actual transaction data.
📊 HDFC Bank
Net banking → My Accounts → View Statement → Download → CSV
YONO / Net banking → e-Statement → Select period → Download
Confirm Your Columns
We detected these — adjust anything that looks wrong
File loaded successfully.
Map your columns
We've auto-detected your columns. Please verify below — selecting the right columns ensures your dates, amounts, and descriptions are read accurately.
💡
Tip: Verify the Date, Money In (Credit) and Money Out (Debit) columns carefully. Indian bank statements often have separate Debit and Credit columns — select them both for accurate categorisation.
Date
Description
Amount
Type
Transactions
All transactions
🧾
No transactions yet
Upload a bank statement first.
0 transactions
Income Analytics
Detailed charts and trends
📈
No data yet
Upload a statement to see your charts.
6-Month Income Smoothing
ACTUAL INCOME vs ROLLING AVERAGE — YOUR TRUE EARNING BASELINE
Tax estimates are for planning purposes. Always verify with a Chartered Accountant before filing.
Projects
Profitability tracker per client
+
New Project
Invoice Generator
Professional invoices · GST-ready · PDF download
Your Details
Bill To
Invoice Details
Live Preview
Settings
🌍 Profile & Region
🔑 Activate Plan
Have an activation code?
After payment, you'll receive a code via WhatsApp. Enter it below to unlock Pro or Business.
✓ Free Plan
🔔 Notifications
Tax Deadline Reminders
2 weeks before advance tax
Auto-classify Transactions
On every upload
Daily FX Rate Update
📦 Data Export
Currency / FX
Loading live rates…
Currency Converter
→
—
Select currencies above
Live Rates vs USD
Income by Currency
AI Analyst
Ask anything about your finances
Free Plan
🔒 AI Analyst — Pro Feature
Upgrade to Pro to get instant AI-powered insights on your income, tax savings, spending patterns, and financial health.
👋 Hi! I'm your AI financial analyst. Upload your bank statement and ask me anything — tax estimates, spending patterns, savings opportunities, and more.
Deep Analysis
Advanced financial intelligence — Business & Elite plans
✦ ELITE FEATURE
🔬
Deep Analysis Suite
Financial Health Score, Runway Calculator, Rate Optimizer, Client Breakdown, Savings Tracker — available on Business & Elite plans.
Financial Health Score
—
Upload data
💰 Runway Calculator
How long can you survive if income stops today?
Current Savings (₹)
÷
Avg Monthly Expenses
₹—
—
months of runway
⚡ Rate Optimizer
What should you charge per hour based on your actual finances?
📲 You'll receive your activation code on WhatsApp within minutes of payment
Accepted payment methods
UPI (0% fee)CardsNetBankingWallets
256-bit SSL · PCI DSS compliant · By paying you agree to our Terms and Refund Policy
✅
Payment Confirmed!
Enter your code in Dashboard → Settings to activate your plan.
IW-PRO-XXXXXX
Plan: Pro · WhatsApp: —
Code also sent to your email · Valid 30 days
Upgrade Your Plan
Secure checkout via Razorpay
PRO
₹1,599
/month
BUSINESS
₹3,299
/month
Privacy Policy
Effective Jan 1, 2026 · India DPDP Act 2023 compliant
What We Collect
Your name, email, and country when you register. Transaction data you upload (stored in browser session — never uploaded to our servers in the free tier). Payment data processed by Razorpay (we never see card numbers).
How We Use It
To provide financial analysis, tax estimates, and dashboard features. The AI Analyst sends only an anonymised summary (totals and categories) to Claude API — never individual transaction descriptions.
Your Rights
Download all your data at any time
Delete your data with one click in Settings
Opt out of marketing emails
Contact
gurucharan.k@zohomail.in
Terms of Service
Effective Jan 1, 2026
Service
IncomeWave is a financial dashboard for freelancers. We aim to make financial management simpler and more accessible for independent professionals.
Tax Information
Tax calculations are helpful estimates for financial planning based on published government tax rates. Tax laws vary by individual circumstance — verify important figures with an accountant before filing.
Billing
Monthly billing via Razorpay. Cancel anytime; access continues to end of billing period.
Governing Law
Laws of India. Arbitration in Bangalore, Karnataka.
Contact
gurucharan.k@zohomail.in
Refund Policy
Effective Jan 1, 2026
30-Day Satisfaction Guarantee
Not satisfied within 30 days of your first paid subscription? Email us for a full refund — and we will review it promptly.
How to Request
Email gurucharan.k@zohomail.in with your payment reference. Processed within 5–10 business days.
Data Notice
Transparency disclosure
Sample Data
Financial figures and examples shown on this website are sample data generated by the application — not real user financial data.
Tax Estimates
Tax calculations are helpful estimates for financial planning based on published government rates. They are not a substitute for professional advice.