Your money today

Start with your income, savings and everyday spending.

Your Age

₹

Enter 0 if you own your home or live rent-free. This helps us calculate home purchase impact. Planning to buy? Use our Home Purchase Planner

₹

Living costs excluding rent/home loan EMI (groceries, utilities, transport, etc.). Leave blank to auto-estimate. Need help? Use our Expense Calculator

Retirement savings

Include any EPF, NPS, PPF or gratuity you have.

I have retirement accounts (EPF, NPS, PPF, Gratuity) Add your retirement savings to get a more accurate projection

Auto-Projection to Retirement

We'll project your account balances to retirement using official rates: EPF (8.15%), NPS (8-12% based on allocation), PPF (7.1%).

EPF (Employees' Provident Fund)

Current Balance

₹

Your Contribution (Employee)

₹

12% of basic salary

Employer Contribution

₹

3.67% to EPF + 8.33% to EPS (check payslip)

NPS (National Pension System)

Current Balance

₹

Monthly Contribution

₹

Asset Allocation

Aggressive (75% Equity) Moderate (50% Equity) Conservative (25% Equity)

Expected returns: Aggressive ~11%, Moderate ~10%, Conservative ~9%

PPF (Public Provident Fund)

Current Balance

₹

Annual Contribution

₹

Max limit: Rs 1.5L per year

Gratuity (5+ years of service required)

Years of Service Total years at current employer

Basic Salary (Monthly)

₹

Used for gratuity: (15 x salary x years) / 26

Thinking about early retirement?

Include financial independence in your plan if it matters to you.

I'm pursuing FIRE (Financial Independence, Retire Early) Shows your FI number, savings rate, Coast FIRE status, and time to financial independence

👨‍👩‍👧‍👦

Your family

Add your spouse and children so your plan includes them.

Marital Status

Single Married

Children

🏡

Your home

Include a future purchase or an existing home loan.

I'm planning to purchase a home Check this to include home purchase in your financial plan Not sure? Use our Home Purchase Planner to explore options

Home Purchase Status

Planning to purchase Already own (existing loan)

Choose whether you're planning a future purchase or already have an active home loan

This Section is Optional

Leave fields blank and we'll simulate based on your profile, or enter today's prices (we'll automatically adjust for 6% annual real estate inflation).

Home Value

₹

Down Payment

₹

Typically 20% of home value

Home Loan Amount (Auto-calculated)

₹

Calculated as: Home value - Down payment

Loan Tenure (Years) Typical home loans are 15-20 years

Interest Rate (% per year) Current home loan rates are typically 8-9%

Years Until Purchase (Optional) When do you plan to purchase? Leave blank and we'll calculate based on your age, savings, and down payment progress. We suggest having 20-30% down payment and stable income.

Monthly EMI (Auto-calculated)

₹

Calculated based on loan amount, tenure, and interest rate