A financial health score
One number out of 100, built from eight things a planner would actually check: your emergency fund, savings rate, insurance cover, debt load, net worth for your age, asset mix, goal funding and paperwork.
A four-minute check-up
Six short screens - no long forms. You'll walk away with a health score, the gaps worth fixing first, and a picture of what your savings turn into. Nothing you type leaves your browser.
Age, family and how you earn - these change almost every number in this plan.
Fields marked * are needed to build your plan. Everything else can be left blank or 0.
Monthly take-home figures. Round to the nearest thousand - honesty beats precision.
Fields marked * are needed to build your plan. Everything else can be left blank or 0.
Add each one separately - the order you clear them is worth real money. Continue if you have none.
Current value, not what you paid. Best estimates are fine.
This is where most plans quietly go wrong - not the investing, the safety net under it.
Money without a date attached tends to get spent. Retirement is planned for you automatically - add everything else. Start from a common one:
Press Enter ↵ to continue
Your position
What you'd have left if you sold everything and cleared every loan today.
This comes before investing - always. A single hospital bill or lost income can undo ten years of SIPs.
Highest interest rate first. This is the avalanche method - it always costs the least in total interest.
Every ₹100 that comes in, tracked to where it lands.
Each goal is inflated to what it will actually cost in the year you need it, then converted into a monthly figure.
Driven by when you need each rupee - not by a single blanket rule. Short-horizon money stays safe; long-horizon money is allowed to grow.
Your existing portfolio, compared with the mix your goals call for.
Year-by-year compounding on what you invest each month. Move the controls and watch the numbers change.
Raise your SIP by this much every year, as your income grows. It is the single biggest lever here.
In order. Do not skip ahead - each step protects the one after it.
Built as an educational tool. Your figures stay in your browser - nothing is uploaded.
What this is
Most money advice starts in the wrong place. It tells you which fund to buy before it asks whether you could survive three months without a salary, or what happens to your family if your income stops tomorrow. This planner does it the other way round.
You answer six short screens about your age, your income, what you own and what you're saving for. In return you get a picture of where you stand today - scored out of 100 - and a plain, ordered list of what to fix first. It runs entirely in your browser. Your figures are never uploaded, stored or shared, and nothing is saved after you close the tab.
One number out of 100, built from eight things a planner would actually check: your emergency fund, savings rate, insurance cover, debt load, net worth for your age, asset mix, goal funding and paperwork.
How much emergency fund you're short, how much term and health cover you need, and which loan to clear first. Sequence matters more than speed - each step protects the one after it.
A split across equity, debt, gold and cash - worked out from when you need each rupee, not from a blanket rule. No specific stocks or funds are ever recommended.
A year-by-year compounding projection with an annual step-up, three return scenarios, and the option to see every figure in today's rupees rather than inflated ones.
How it works
Age, city, who depends on your income, and whether your earnings are steady or variable. These change nearly every benchmark that follows - a freelancer with two dependents needs a very different safety net from a salaried person with none.
Take-home income, essentials, lifestyle spending, what you already invest, and any loans. This produces your savings rate and the surplus everything else is built on.
Cash, equity, EPF and PPF, gold, property, plus your term and health cover. This is where most plans quietly go wrong - not in the investing, but in the safety net underneath it.
Your score, your protection gaps, a cash-flow breakdown, your goals priced for inflation, a recommended split, a growth projection, and a 90-day action plan you can save as a PDF.
The rules behind it
Nothing here is a secret formula. These are the standard rules of thumb an Indian financial planner would apply, made explicit so you can judge them for yourself.
| What | The benchmark used |
|---|---|
| Emergency fund | 6 months of essentials plus EMIs, rising to 9–10 months if your income is variable or you're the only earner with dependents. Held in cash or a liquid fund, never in equity. |
| Term life cover | 10–15× your annual income depending on age, plus outstanding loans, minus what you already own. If you have no dependents and no loans, the honest answer is that you don't need any - and the tool says so. |
| Health cover | ₹5–25 lakh depending on your age, city tier and family size. A modest base policy plus a super top-up costs far less than one large policy for the same total cover. |
| Debt | Total EMIs under 30–35% of take-home pay. Loans are ranked highest-interest-first (the avalanche method), which always costs the least in total interest. Anything above 11% is treated as urgent. |
| Savings rate | Roughly 20–25% in your twenties, rising through 30–35% by your forties, counting EPF. This single number does more work than any investment choice in the first fifteen years. |
| Net worth | A working target of (your age − 25) ÷ 5, multiplied by your annual income. At 35 that's 2× your annual income; at 45, 4×. |
| Where money goes | By time horizon. Under 3 years stays in debt and cash. Three to seven years is balanced. Beyond seven years leans into equity, because over that span volatility stops being a risk and starts being an opportunity. |
| Retirement | 80% of today's spending, inflated at 6% a year to your retirement date, then funded as an inflation-adjusted income for life using a 3% real drawdown - net of your projected EPF and existing investments. |
| Growth projections | Long-run Indian averages: equity 10–14%, debt 6.5–8%, gold 7.5–11%, depending on which of the three scenarios you pick. Inflation is taken at 6%. |
Common questions
Yes, and no. There is no account, no sign-up and no payment. You're only asked for an email address if you choose to save your plan as a PDF at the end - the tool itself is fully usable without giving one.
Nowhere. Every calculation happens inside your own browser. Your income, savings and debts are never sent to a server, never stored, and are gone the moment you close the tab. Each visit starts a fresh profile.
Six months of your essential expenses and your EMIs, if you have a steady salary. Nine to ten months if you freelance, run a business, earn largely through commissions, or are the sole earner supporting dependents.
The EMI part is the bit most calculators miss. Your rent and groceries may be flexible in a crisis; your loan repayment is not.
Broadly 10–15× your annual income, plus any outstanding loans, minus the financial assets your family could already fall back on. A 30-year-old earning ₹12 lakh with a ₹30 lakh home loan typically lands somewhere near ₹2 crore.
Buy pure term cover only. Endowment, ULIP and money-back policies bundle insurance with investment and generally do both jobs poorly.
Clear anything above roughly 11% first - credit cards, personal loans, most consumer EMIs. Paying off a 16% loan is a guaranteed, tax-free 16% return, and no investment offers that with certainty.
A home loan at 8–9% is a different case. It's cheap money, and investing alongside it usually makes more sense than rushing to prepay.
No, deliberately. It gives you a split across asset classes - equity, debt, gold and cash - with the type of instrument each usually means. Which particular fund or stock suits you depends on things a calculator cannot see, and picking them is a job for you or a registered adviser.
It means raising the amount you invest by a fixed percentage each year, usually 10%, as your income grows. It's the highest-leverage habit available to most salaried people: the same starting amount, the same returns, but a substantially larger final corpus - because your contributions grow with your salary rather than staying frozen at whatever you could afford when you started.
Yes. Tell it your income is variable and the benchmarks adjust - most visibly the emergency fund, which rises from six months to nine. Enter a conservative average month rather than your best one.
Please read this
This is an educational tool, not financial advice. It applies general rules of thumb to the numbers you type in - it cannot see your tax position, your job security, your health, your family's circumstances or anything else that makes your situation yours.
Every projection is an illustration built on assumed average returns. Real markets do not deliver a steady 12% a year, and past performance does not predict future returns. Nothing here is a recommendation to buy or sell any specific security, fund, insurance policy or product.
Before acting on anything you see here - particularly on insurance, loans or large investments - please speak to a SEBI-registered investment adviser who can look at your full picture.
Tell us where to reach you, and your download opens straight away.
Only your email address is sent. Every figure you entered stays in this browser.