Log income from Upwork, Swiggy, YouTube, tutoring — any hustle. Your financial story, organised.
🔒🤖
100% private. On-device AI.
Your data never leaves your phone. Stacks AI analyses income, taxes, and mood — completely offline.
🏛️📊
Built for India.
GST estimates, ITR prep, government schemes, UPI income tracking, and bank-ready income reports.
🦁
✏️
Your Profile
Stored on-device only · Never shared
💻
Freelance
📚
Teaching
🚗
Delivery
📹
Content
🎨
Design
⚡
Other
🔒 Your data stays on your phone. SideStack stores all information locally using device storage. No account needed. No data is uploaded unless you opt into cloud backup.
Your freelance income is up 34% this week 📈. Group tutoring earns 2× per hour vs solo — consider converting 2 solo slots next month.
Goal check: Need ₹5,500 in 8 days = ₹688/day. Highly achievable at your pace. 🎯
😊
Mood logged · Good
14-day streak · Keep it up!
NEW
Income Log
Every rupee tracked
April Total
₹34,500
Best Day
₹11,400
📷 Snap
📁 UPI
🎙️ Voice
💻
Upwork — Logo Design
Freelance · Apr 19 · A+ client
+₹8,000
📚
Physics Tutoring
Teaching · Apr 18
+₹1,200
🎥
YouTube AdSense
Content · Apr 15 · 42K views
+₹2,400
🛵
Swiggy Weekend
Gig · Apr 13–14 · 18 orders
+₹850
💻
Fiverr — Branding Kit
Freelance · Apr 10
+₹14,500
🎵
Spotify Royalties
Content · Apr 5
+₹550
🛒
Canva Pro
Expense · Apr 14
−₹999
Income Sources
₹34.5K
total
Freelance
60%
Teaching
22%
Delivery
11%
YouTube
7%
AI Co-Pilot
Stacks · On-device · Private
🔒 On-Device
🤖
Stacks
● Analysing on-device
Namaste! I'm Stacks. I analyse your income and mood privately — on your device only. Ask me anything!
Stacks
Which hustle earns me most per hour?
You
📊 Hourly breakdown: • Group Tutoring: ₹1,200/hr ← best! • Freelance Design: ₹820/hr • Solo Tutoring: ₹600/hr • Delivery: ₹180/hr
💡 Add 2 group tutoring slots = +₹3,600/month for same hours.
Stacks
This Week's Insights
📈 INCOME PATTERN — Thursdays–Sundays are your peak. Batch client deliveries to Wednesday → payments hit by weekend.
🧠 MOOD-MONEY LINK — Your mood improves on income days. Emergency fund growth = measurable anxiety reduction in your logs.
⚠️ TAX ALERT — Q2 advance tax due Sept 15. Estimated: ₹8,208. Reserve ₹700/week now to be ready.
Income Forecast
On-device ML
May 2026₹41,200
June 2026₹47,800
Q2 Total₹1,23,500
Quick Questions
🎯
Will I hit my April goal?
›
🧾
What tax do I owe?
›
💰
How much to save?
›
👤
Which client to focus on?
›
Tax Engine
FY 2025–26 estimate
Old Regime
Tax Owed
₹18,240
FY 2025–26
Reserved
₹14,400
79% ready
Breakdown
Gross Income₹1,95,000
Sec 44ADA Deduction−₹50,000
Taxable Income₹1,45,000
Tax @ 5% slab₹18,240
💡 Stacks: New Tax Regime saves ₹6,200 this year. Switch by July 31.
Advance Tax Schedule
✅
Q1 · June 15
₹2,736 · 15%
Paid
⏳
Q2 · Sept 15
₹8,208 · 45%
Reserve Now
📅
Q3 · Dec 15
₹13,680 · 75%
Upcoming
📅
Q4 · Mar 15
100% total
Upcoming
All Features
SideStack v5.0 · India Launch
20 Tools
🎯
Goals & Streaks
🧠
Mood Tracker
🛡️
Emergency Fund
🔏
Income Proof
📄
Invoices
🏛️
Scheme Navigator
🏆
Leaderboard
💬
Hustle Tips
👔
Client Health
🎙️
Voice Log
📷
Receipt Scan
🏦
Bank Verify
🌱
Foundation
🔐
Privacy
⚙️
Settings
Upgrade to Pro+
Tax engine, AI forecasting, income verification, invoice builder & Foundation access.
Cancel anytime · UPI Autopay · 7-day trial
Refer & Earn
Refer 3 friends → get 1 month Pro free.
HUSTLE-USER-000
2/3 referred · 1 more for free month
Goals & Streaks
🎯
April Target
8 days left
86%
₹34,500₹40,000
🛡️
Emergency Fund
Target ₹22K by Aug
38%
₹8,400₹22,000
💻
Freelance Month
₹25K from freelance only
83%
₹20,750₹25,000
🔥 14-Day Streak
1
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3
4
5
6
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8
9
10
11
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13
14
15
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🏆
₹10K Club
🔥
14-Day Fire
🛡️
Buffer Boss
Mood Tracker
Money · Wellbeing link
NEW
How are you feeling today?
😞
Stressed
😐
Neutral
😊
Good
😄
Great
🔥
Crushing
Slow income
Client stress
Big win
Overworked
Flow state
Stored on-device only · Never shared
Stacks Mood Insight
On-device AI
🔍 PATTERN DETECTED
Mood dips on days with no logged income — even when you worked. Log within 2 hours of earning to reduce financial anxiety measurably.
💚 Correlation: Your emergency fund growing directly correlates with better mood scores. Every ₹1,000 added = measurable wellbeing improvement.
April Mood Stats
🔥
4
Crushing
😊
11
Good days
😞
3
Stress
Emergency Fund
Autopilot rules active
NEW
₹8,400
Emergency Fund · 3 months growing
Target: 1 month expenses (₹22,000)
Surplus Reserve Rule15%
When income exceeds ₹30K, tag 15% as emergency buffer. Active · 3× this month
Slow Month GuardAlert
If income drops below ₹15K in any week, notify immediately. Active
Tax Lock12%
Reserve 12% of every income entry as tax buffer. Active
🧠 Stacks: At current rate, you'll hit 1-month buffer by August 2026. This correlates directly with improving mood scores.
Income Proof
Your data · Your terms
NEW
60% of gig workers can't get loans — banks want salary slips. This report is tamper-evident proof of your income. Share with landlords or banks on your terms.
Generate Report
Select period:
📅 Last 3 months (Jan–Mar 2026) ✓
📅 Last 6 months (Oct 2025–Mar 2026)
📅 Full FY 2025–26
SHA-256 signed · QR verification · Free for Pro+
SideStack Income Report
Name
—
Period
Jan–Mar 2026
City
Bangalore
Date
Apr 19, 2026
Month
Income
Net
Jan 2026
₹28,400
₹23,200
Feb 2026
₹31,200
₹25,800
Mar 2026
₹34,100
₹28,000
Total
₹93,700
₹77,000
🔏 Code: SS-2026-0419-AK-7F4D verify.sidestack.in to confirm authenticity
Scheme Navigator
Benefits you may be missing
NEW
₹6.25L
in schemes you may qualify for
PM-YASASVI Scholarship
Ministry of Social Justice · Central
For youth up to 29 years with family income below ₹2.5L. Annual scholarship for higher education.
💰 Up to ₹1.25L/year · Apply by Oct 31
Gig Worker ID + PM-JAY
Ministry of Labour · Budget 2025
Government gig worker card enabling PM-JAY health insurance (₹5L coverage) and social security.
💊 ₹5L health cover · 25,000+ hospitals
Startup India Seed Fund
DPIIT · Ministry of Commerce
Up to ₹20L grant for registered startups. Your freelance business may qualify if registered.
🚀 ₹20L grant · Zero equity
PM Vishwakarma Scheme
Ministry of MSME
Credit at 5% interest, skill training stipend, and digital payment incentives for professionals.
🏦 ₹3L credit · ₹500/day training stipend
Client Health
Know who's worth your time
NEW
From your logs only. Scores based on payment speed, repeat projects, invoice fulfilment, and hourly rate.
A+
GlobalTech Solutions
Pays in 3 days · 4 repeat projects
₹16,500
₹825/hr
B+
TechStartup_IN
Pays in 8 days · 2 projects
₹14,500
₹604/hr
A
Priya Sharma
Pays same day · Regular booking
₹7,200
₹600/hr
C
Meera Foods
⚠️ 1 overdue invoice
₹4,200
₹350/hr
D
Client X
🚨 2 unpaid invoices
₹2,800
Pending
🎯 Stacks: Replace Meera + Client X with one GlobalTech-style client → +₹8,400/month for same hours.
Accepted by all banks with registered rent agreement + 3–6 months bank statement showing credits.
✅ Freelance / Gig Income
Accepted with 12-month ITR + bank statement. HDFC, ICICI, Kotak are most freelancer-friendly.
⚠️ Cash Income
Not accepted without bank proof. Deposit consistently and get a CA letter for best results.
📄 Generate Bank-Ready Report
📋 Report Preview
Bank Eligibility Guide
🏦 HDFC
Min ₹25K/mo
🏦 ICICI
Min ₹20K/mo
🏦 SBI
Min ₹15K/mo
🏦 Axis
Min ₹20K/mo
🏦 Kotak
Min ₹30K/mo
🏦 PNB
Min ₹12K/mo
💡 Pro Tip: Show 6 months of consistent income deposits (not withdrawals). Banks prefer NEFT/IMPS/UPI credits over cash deposits. Keep your income-to-EMI ratio below 50%.
📋 Documents Checklist: ITR for 2 years · Bank statement 6–12 months · PAN + Aadhaar · Rent agreement (if applicable) · CA letter for gig workers