Wealth intelligence · India

Know your
money.
Build wealth.
Actually.

Nivex gives every Indian earner — trader, professional, or self-employed — a complete financial system. Save the right amount, pay the right tax, and grow real wealth.

1.5 Cr+
Active traders
10 Lakh+
Daily savers
6 Cr+
Self-employed
Net worth · April 2026
₹12.4L
↑ ₹2.1L since January · on track
Monthly allocation
Wealth
30%
Living
40%
Tax res.
20%
Flex
10%
Extract ₹18,000 from trading this month → ₹12,000 to SIP, ₹6,000 to tax reserve. You're ₹3,400 ahead of your plan.
Wealth intelligence Trader-native finance Advance tax planning Daily savings engine Net worth clarity Capital separation ITR-ready system India's earners Wealth intelligence Trader-native finance Advance tax planning Daily savings engine Net worth clarity Capital separation ITR-ready system India's earners
Built for

Every earner.
One system.

Nivex adapts to how you earn — not a one-size-fits-all template. Tell us your income type. We build your financial system around it.

01 / Trader
The Market Trader
F&O · Forex · Equity · Crypto
  • Separate trading capital from personal wealth
  • Quarterly advance tax estimates — zero surprises
  • Speculative income split — ITR-3 ready
  • Profit extraction system — built in
  • Drawdown protection for your living capital
Addressable market
1.5 Cr+
Active retail traders on Indian exchanges
02 / Saver
The Daily Saver
Salaried · Students · First earners
  • Daily savings habit — start from ₹51
  • Smart SIP plans guided by your take-home
  • Spend tracking that actually makes sense
  • Section 80C and HRA optimization
  • Goal builder — home, emergency fund, retirement
Addressable market
10 Lakh+
Indians already saving daily digitally — and growing
03 / Self-employed
The Self-Employed
Freelancer · Consultant · Business owner
  • Irregular income budgeting — adapts monthly
  • GST and advance tax reminders baked in
  • Emergency fund sized for your risk profile
  • Business vs personal money — clearly split
  • Variable savings rate that moves with income
Addressable market
6 Cr+
Self-employed Indians with no financial system
Market opportunity

India has
57 crore earners.

From daily micro-savers to active traders managing lakhs — India's earning population is the largest untapped wealth-management market in the world. Nivex is built to serve all of them.

Total addressable market
₹60,000Cr+

Combined wealth management, savings advisory, MF distribution, and tax services market across all three earning segments. India's fintech infrastructure is now capable of reaching every earner — the market is being built in real time.

57 Cr+ earners in India ₹18,000 avg rev/trader/yr ₹365 avg rev/micro-saver/yr 49× LTV gap between segments
Active Traders
F&O, equity, forex, crypto — zero dedicated personal finance product
1.5 Cr+
₹8,000 Cr rev opportunity
Daily Micro-Savers
Digital-first Indians building the savings habit from ₹51/day
10 L+
Fast-growing, habit-first segment
Salaried Professionals
Mid-to-high income, underserved by traditional wealth managers
50 Cr+
₹45,000 Cr+ wealth gap
Self-Employed & Gig
Irregular income, no budgeting tool understands their reality
6 Cr+
₹3,200 Cr addressable
Core TAM · Traders
Active Retail Traders
1.5 Cr+
₹18,000 avg annual revenue per user · ₹8,000 Cr opportunity
Market penetration today~0.5%
Zero dedicated competitors Zerodha: 1.5 Cr users F&O: 90 L unique traders 30% flat speculative tax Core Nivex audience
Expansion TAM · Daily Savers
Micro-Savers & First Earners
10 L+
Habit-first segment · Growing 40% YoY · ₹365 avg trail/user/yr
Digital savings adoptionGrowing fast
40% YoY growth in digital saving Start from ₹51/day SBI, ICICI MF partners AMFI-registered platform Nivex daily save feature
Expansion TAM · Salaried
Salaried Professionals
50 Cr+
Top 15% = 7.5 Cr high-income earners · ₹45,000 Cr+ gap
Wealth management penetration~4%
Traditional WM needs ₹50L min Section 80C optimization Avg income ₹8–25L Goal-based planning Mid-market gap
Adjacent TAM · Self-employed
Freelancers & Business Owners
6 Cr+
Creator economy + gig workers · ₹3,200 Cr addressable revenue
Fintech product fit today~1%
Same pain point as traders Creator economy: 80L+ Gig workers: 1.5 Cr+ GST + advance tax reminders Natural second segment
Process

Three steps.
Total clarity.

Nivex replaces anxiety with a system. Built around how you earn — not how a textbook thinks you should.

01
🔗
Map your income

Connect your income sources — trading profits, salary, client payments. Nivex understands irregular and variable income. No judgement about which month was better.

02
🧠
See the full picture

Net worth, savings rate, tax estimate, and capital split — all on one screen. Plain language. No jargon. Finally see where your money is, and where it should go.

03
🎯
Follow your plan

A personalised monthly plan — how much to save, how much to extract from trading, what tax to set aside. Updates automatically as your income changes.

What Nivex does

Built for how
India earns.

Trading Capital Separation
Cleanly split your broker account from your personal wealth. Profit extraction rules built in — so you actually build wealth from trading.
Quarterly Tax Estimates
Advance tax, speculative income, salary income — calculated separately every quarter. No more year-end panic.
Daily Savings Engine
Start from ₹51/day. Automate with UPI. Watch your savings grow. Built for everyone — from first-time savers to seasoned investors.
Irregular Income Planner
Savings plan that adapts to your actual monthly income. Works whether you earned ₹20,000 or ₹2,00,000 this month.
Net Worth Dashboard
One screen. Trading capital, savings, investments, goals. Your complete financial picture — updated in real time.
nivex · financial-summary · april-2026
$fetch /user/summary

name·······Arjun Kapoor
income_type···Trader + Salaried
monthly_avg····₹94,000↑ 18% YoY

net_worth······₹12,40,000+21% yr
trading_capital·₹4,80,000keep separate
wealth_account··₹5,20,000on track
daily_savings···₹500/dayactive
tax_reserve·····₹2,40,000Q1 covered

savings_rate····31%target: 30%
advance_tax_q2·₹28,500due 15 Sep
Nivex insight
Extract ₹22,000 from trading this month. Route ₹15,000 to SIP and ₹7,000 to tax reserve. Your ₹15L net worth target: December 2026.
57Cr
India earners — our market
49×
Higher LTV: trader vs micro-saver
₹18k
Avg annual rev per trader user
₹100Cr
Valuation at 5,000 users
NIVEX
Early access · Free forever to start

Your money.
Your system.

Whether you trade markets, save daily, or run your own business — Nivex builds a financial system around how you actually earn.

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