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.
Educational purpose
Niyamfin exists to make personal-finance concepts easier to understand through simple calculators, explanations, and educational tools. The site is not a financial advisory, investment advisory, tax advisory, insurance advisory, lending, brokerage, or distribution service.
The calculators are designed for learning and illustration. They should not be treated as professional advice or a recommendation to make any financial decision.
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. Calculator inputs are processed in your browser and are not sent to Niyamfin servers. By default each session starts fresh; if you choose the optional “Save draft” button, your inputs are stored on your own device only (browser localStorage) and never leave it.
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.
Business and partnerships
Niyamfin may explore partnerships, educational collaborations, calculator integrations, licensing, and other business opportunities that support its educational mission.
For business inquiries, email hello@niyamfin.com.
Legal & operator identity
© 2026 Niyam Finance (“Niyamfin”) — An educational financial calculator website. Not financial, investment, tax, insurance, legal, lending, or other regulated advice. The operator is not SEBI/IRDAI/PFRDA/RBI registered or licensed as a financial adviser, broker, distributor, lender, or intermediary.
Operator: Harwansh Tiwari
Location: Bengaluru, Karnataka, India
Contact & Grievances: hello@niyamfin.com
We aim to respond to queries within 5 business days.
Last updated: 28 June 2026