Now live · Saath, our flagship app

Adulthood starts the day school ends.

We find the money lessons each student is missing, teach them in two hours, and make them stick with Saath, before a mistake can cost them.

See how it works Open Saath

Grades 9–12 · Pune & Mumbai · Free for every school

skyward · gap finder
Class 11 · 32 answer sheets. What do they need most?
Reading a first pay slipRenting a roomA loan app that wants your contacts“I'm calling from your bank”Signing as guarantorA no-cost EMI₹3,000 needed in ten daysYour first resumeChoosing a cardA UPI request you didn't send

The mission

Most adults learn money by getting it wrong. For a student from a low-income family, adulthood begins right after Grade 12, with no university years to learn in and no one at home who has done it before. One mistake can cost months of savings. So we teach the lessons two years early, in a classroom, where a wrong answer costs nothing.

0% of Indian adults are financially literate, against 52% in advanced economies
0% of Indians struggle to keep up with their debts. The global average is 32%
0% is what well-resourced students in our pilot scored on how money works outside a classroom

How it works

Find the gap.
Then fill it.

Four steps, from a fifteen-question test to a habit that lasts.

  1. 01 · Test

    Fifteen real situations.

    The Money Readiness Test, adapted from the S&P Global Financial Literacy Survey and rewritten for a sixteen-year-old. Every wrong option is a real money mistake.

    Try one →

    Question 1 · Warm up

    Meera has ₹800 this month. She can't afford everything. What should she pay for first?

  2. 02 · AI

    A model reads every answer.

    Results go through our AI model, topic by topic, student by student. It finds where the class is weakest, so no minute of teaching goes where it isn't needed.

    Illustrative class · 32 students × 6 topics

  3. 03 · Teach

    Two hours, aimed at the gap.

    Each student sees their own score privately. Then an 80-minute course on earning, borrowing and staying safe, with most of the time on what the class found hardest.

    Day 2 · 120 minutes

    • 04 · Saath

      Then they live it.

      Two sessions are easy to forget. Saath turns the lesson into practice: every student leaves with a pocket handbook and an app where every choice changes the money.

      Meet Saath ↓

      Verena, 19 · Pune

      It is the 18th. She opens her banking app: ₹350 left, twelve days to go.

    Flagship · Live at saath.cc

    Saath

    Adults learn money from failure.
    Our students can't afford to fail. So Verena does it for them.

    18years old

    Her first resume

    The lesson

    Drag through Verena's life. From a first resume to retirement, every step in between.

    01

    A story to live

    46 chapters of Verena's life. You choose, you see what follows, you learn why.

    +30 XP · Verena grew up
    02

    Saath AI

    Ask anything by typing, speaking or snapping a document. Answers cite the guide they came from.

    My insurer rejected my claim. What now?
    03

    Forms, explained

    Bank, tax and insurance forms read line by line, before anyone signs.

    Nominee · Always fill this in
    04

    Money Lab

    A budget that puts savings first. Bills, goals, and what is safe to spend today. It stays on their phone.

    Safe to spend today · ₹1,240
    0chapters
    0guides
    0languages
    ₹0forever free
    Open Saath

    English · हिंदी · मराठी · Works offline · No ads

    Field notes · The first pilot

    What 102 students
    taught us.

    August 2026 · Pune & Mumbai

    102 students in Grades 9 to 12 sat our pilot paper.

    88 of them travel to school by bus or private car.

    91 own a laptop or tablet.

    These were well-resourced students.

    They scored 81% on careful reading and everyday sums.

    And 49% on how money behaves outside a classroom.

    73 scored 80% or better across Parts A to C.

    30 of those same students scored half or less on Part D.

    Reading a question closely is a school skill. These students have it.

    If they sit at 49%, the gap for students with fewer advantages is wider.

    That is the gap we exist to close.

    The movement

    From planning
    to execution.

    0+members

    Interact Club of Pune Skyward

    We started our own Interact club to take the work into more classrooms. Its members run sessions alongside the core team, so students learn from people close to their own age.

    Affiliated with

    Rotary Clubs of Pune Round Table India · Pune initiatives
    1. Aug 2026

      First pilot

      102 students, two cities, one paper.

    2. 2026

      Interact Club of Pune Skyward

      More than sixty members, one initiative.

    3. Now

      Saath launches

      Our biggest project yet, live and free.

    4. Next

      More classrooms

      Pune and Mumbai, with Hindi and Marathi editions of the test.

    The core team

    Students, building
    for students.

    For schools & NGOs

    Bring it to your students.
    Free.

    The full two-day programme for one group of students, with no obligation to continue.

    Day 1 · Find out

    • 30Who we are, and why money gets harder the day school ends
    • 30The Money Readiness Test
    • 45Group activity: your first month on your own
    • 15Questions and close

    Day 2 · Learn

    • 20Results: each student privately, the class together
    • 80The course, weighted to the widest gaps
    • 20Setting up the handbook and Saath

    You receive

    • Both days, run by our team
    • A handbook for every student, and Saath
    • A private report within two weeks
    • A twenty-minute call to walk through it
    • Use of the report for planning, funding and CSR

    We handle

    • Planning and both sessions
    • The test and the marking
    • The report
    • Privacy safeguards

    Nothing to prepare on your side.

    You provide

    • One group in Grades 9 to 12
    • A room for two hours, on two days within a week
    • Written permission

    Privacy. No student is named anywhere. Each student sees only their own result. Your organisation is never identified without written approval.

    Language. English today, with Marathi and Hindi in preparation. If your students learn in either, we would rather wait than test them in English.

    Start with a short call.