Finance App for Gig Workers — Swiggy, Zomato, Ola & Freelancers in India

India's 15 Million Gig Workers Have No Financial Tools

Swiggy delivery partners, Ola drivers, Urban Company professionals, freelance designers, content writers — India's gig economy is booming. By 2025, an estimated 15 million Indians earned primarily through gig work. And yet: zero finance apps are designed for their reality.

The Gig Worker's Financial Challenge

Gig work creates unique financial patterns that standard budget apps can't handle:

• Variable daily income — ₹400 Monday, ₹1,200 Saturday surge, ₹0 on sick days
• Multiple income sources — morning Swiggy, evening Uber, weekend freelance
• Platform-specific costs — fuel linked to delivery distance, vehicle wear, data charges
• No employer benefits — no PF, no insurance, no paid leave
• Unpredictable weekly total — ₹3,000 one week, ₹6,000 the next

DhanRakh for Gig Workers

DhanRakh adapts to the gig economy's irregular rhythms:

• Multi-source income tracking — tag income by platform (Swiggy, Ola, freelance) and see breakdowns
• Daily earnings log — track trips, deliveries, or tasks completed per day
• Work expense separation — fuel, vehicle maintenance, phone data — track work costs separately from personal
• Rolling average income — see your real average daily/weekly/monthly income, smoothing out variation
• Savings from every platform — auto-set aside 10% from each income source

Calculate Your Real Hourly Rate

Most gig workers don't know their true hourly earnings after expenses. Track hours worked and expenses per platform, and DhanRakh calculates your real rate:

"Last week: 45 hours working, ₹5,400 earned, ₹1,800 fuel spent = ₹80/hour net"

This helps you decide which platform or gig type gives the best return on your time.

Build Stability Through Savings

The biggest risk in gig work is no safety net. DhanRakh helps you build one:

• Emergency fund goal — cover 2 weeks of no work
• Vehicle repair fund — save ₹1,000/month for unexpected breakdowns
• Health fund — when there's no employer health insurance

Voice Logging Between Deliveries

Between rides or deliveries, quickly log earnings: "Aaj Swiggy se 8 delivery, 650 kamaaye, petrol 200" — done in 5 seconds. No typing while driving, no complex menus. In Hindi or any language you prefer.

Free for Gig Workers

Full income tracking, expense logging, and savings goals — all free. DhanRakh believes India's gig workers deserve the same financial tools as salaried professionals. Download and start tracking your gig income today.