Financial Planning Calculator
Build your monthly financial roadmap for expenses, emergency savings, retirement, investments and insurance.
Your profile
Enter your name and monthly take-home income to personalise the estimates
Maximum expenses and loan payments (₹/month)
Set the maximum monthly amount you expect to spend, including loan payments
Emergency fund target
Build a reserve for unexpected expenses
Your retirement corpus target
Target corpus based on your chosen monthly expenses and loan payments
Recommended monthly investment (editable)
Choose an investment period. The required monthly SIP is calculated to target your retirement corpus at a fixed assumed annual return of 13%.
Affordability validation compares each required SIP with monthly income minus the entered expenses/loan payments and the calculator’s indicative insurance budget (6% of income). It updates automatically when income or expenses change. “Safe to invest” means the SIP fits this calculated surplus only; include any other commitments and keep adequate emergency savings. SIP projection assumes a 13% nominal annual return divided into monthly periods, with contributions made at the end of each month. The 13% return assumption stays fixed for all four periods. Returns are not guaranteed. Values are estimates and exclude taxes, fees and inflation.
Monthly pension estimate
Illustrative monthly pension based on the projected SIP corpus
Insurance spending target
An indicative budget for insurance spending
For educational and planning purposes only. Estimates are based on the assumptions shown and are not guaranteed returns or a substitute for personalised financial advice.