About Niyamfin

A private, no-login space to understand your money — not to be sold anything.

Niyamfin is a financial-health calculator created by Niyam Finance. The website uses the shorter name “Niyamfin” because the domain is niyamfin.com, while the broader company/operator name is Niyam Finance.

You answer a few questions about your income, spending, assets, debts, and protection, and the tool shows you widely-used indicators — net worth, key financial ratios, retirement readiness, illustrative protection gap, a benchmark-based monthly budget snapshot, and goal planning.

What it is

Niyamfin is an educational calculator. Every number is computed in your browser using standard, publicly-documented personal-finance formulas. You can read exactly how each figure is derived on the Methodology page.

What it is not

It is not financial, investment, insurance, or tax advice, and it does not recommend any specific product, fund, policy, or transaction. It does not know your full circumstances, and it cannot replace a conversation with a qualified, registered professional who can account for your complete situation.

Privacy by design

Your financial details are sensitive. Financial inputs are processed in your browser and are not stored on Niyamfin servers. Each session starts fresh — nothing is saved between visits.

Who operates Niyamfin

Operated by: Niyam Finance

Founder: Harwansh Tiwari

Location: India

Contact: hello@niyamfin.com

Niyam Finance is a brand/project name. It is not a SEBI-registered investment adviser, research analyst, insurance intermediary, or distributor.

Legal & operator identity

Operator: Harwansh Tiwari
Location: Bengaluru, Karnataka, India
Contact & Grievances: hello@niyamfin.com
We aim to respond to queries within 5 business days.

Last updated: 3 June 2026