Frequently Asked Questions

Welmora is a high-performance financial planning engine designed to help you calculate and visualize your path to wealth through SIP, EMI, and Retirement modeling.

From beginners starting a ₹500 SIP to experienced investors planning a "FIRE" lifestyle or managing a home loan.

Currently, Welmora is optimized specifically for Android. We are focusing on making the Android experience the best in the market before expanding.

No. Welmora is built with an "Offline-First" philosophy. You can perform every calculation and view every chart in Airplane Mode.

Yes. You can download and use the full suite of Welmora calculators from the Google Play Store for free.

It is a blend of "Wealth" and "More"—representing our mission to help you plan your wealth better so you can grow more.

Welmora is currently a dedicated mobile application. This ensures your financial data remains securely on your personal device.

No. Welmora is a standalone calculation tool. We never ask for bank logins or UPI details, ensuring your actual money stays untouched.

Your data is stored strictly on your phone’s internal storage. We do not use cloud servers to store your financial entries.

No. Because your data is local to your device, we have zero visibility into your investments, loans, or goals.

No. Welmora requires no email, phone number, or password. You can start planning the second you open the app.

Currently, Welmora does not use any third-party tracking SDKs. Your usage remains your private business.

We use a local SQLite database that is protected by your phone’s native operating system security.

Yes. You can clear your data within the app settings or by simply uninstalling the application.

Yes. Since calculations happen offline on your hardware, your plans are never broadcast over the internet.

Since we do not store data on our servers, we cannot recover it. We recommend using the "Backup Data" feature in settings to save your own files.

Welmora uses a high-precision math engine. While market returns vary, our formulas for compounding and interest are institutional-grade.

It helps you project the future value of regular monthly investments based on an expected return rate.

It allows you to see your monthly payments for a Home, Car, or Personal loan, including a breakdown of interest vs. principal.

Welmora automatically prioritizes an Emergency Fund and a Retirement Corpus for you. We consider these "mandatory" goals.

You can handle this in our Goal Analysis graph. You can manually adjust the SIP bars, increase income, or reduce expenses.

Yes. In the Retirement and Goal planners, you can factor in annual inflation to see future purchasing power.

Yes. If you have a one-time big amount to invest, our Lumpsum tool shows you how it compounds over decades.

It calculates how much regular monthly income you can take from a fund and how long that money will last.

Yes. We provide a detailed "Year-on-Year" schedule so you can see exactly how your wealth compounds.

Our dynamic charts turn boring numbers into visual trends, making it easier to understand "Debt vs. Wealth" at a glance.

Not currently. We are focusing on core engine performance first, but Dark Mode is planned for a future update.

Not yet. However, the math is universal. You can enter your local numbers and ignore the "₹" symbol for now.

You can use the "Backup Data" feature to export a file. If the other person has Welmora, they can import that file to see your details.

Yes. Each expense category includes a Green Calculator icon for a precise, itemized breakdown of costs.

Yes. You can create and save different profiles for your House, Car, Education, and more.

Absolutely. We removed the jargon. If you know how much you can save and for how long, Welmora does the rest.

Yes. The UI is responsive and scale beautifully for a "large-screen" view of your financial charts.

Yes. We are currently researching Debt Management and Tax-saving calculators to add to our engine.

Currently, it is a passion project. It generates zero revenue, has no ads, and no paywalls. The founder funds it as a professional networking investment.

While the app is currently ad-free, we may introduce ads or premium models in the future to keep the project sustainable.

Yes. As we add new features or business models, our policies may evolve. However, we will always notify users before major changes.

Our goal is professional growth. Connecting with a global network of users and developers on LinkedIn is our "Return on Investment."

Use the "Contact Us" form on our website or email support@welmora.in. We read every single message!

No. Welmora is a mathematical tool for educational and planning purposes. Always consult a certified financial expert for major decisions.