Financial Planner

📘 Professional Financial Planner

Fill the monthly numbers below. Use Settings to change assumptions (rule, emergency months, return rate). Click Analyze for a detailed plan and then Download PDF.

Salary / Regular Income (monthly ₹) Bonuses / Freelance / Other (monthly ₹) Existing Savings & Investments (₹) — liquid + invested

Housing / Rent / EMI (monthly ₹) Food & Groceries (monthly ₹) Utilities / Bills / Internet / Electricity (monthly ₹)

Transport / Fuel / Commuting (monthly ₹) Health / Insurance / Medical (monthly ₹) Leisure / Dining / Entertainment / Shopping (monthly ₹)

Education / Self-improvement (monthly ₹)

Loan / Credit Card Monthly Payments (total monthly debt payments ₹)

Other expenses (monthly ₹)

Planner Settings & Assumptions

Change rules / thresholds below

Allocation Rule 50 / 30 / 20 (Needs / Wants / Savings) 70 / 20 / 10 Custom

Custom - Needs (%) Custom - Wants (%) Custom - Savings (%)

Make sure total = 100%

Emergency fund target (months)

Desired long-term annual return for projections (%)

Projection horizon (years)

Notes: default rules are widely used benchmarks. Customize only if you know a different target. The planner assumes monthly cash flow (amounts in ₹).

💡 Insights & Personalized Advice

📋 Maintenance Plan & Checklist

• Set up automatic monthly transfer to savings (Pay Yourself First).
• Track your expenses weekly and categorize them. Reduce discretionary spends by 10% this month.
• Review subscriptions & recurring payments — cancel unused ones.
• Quarterly: re-evaluate goals and adjust allocations.
• Annually: re-check insurance coverage & investment returns.

Tip: you can change any of the settings (rule / emergency months / return) and re-run analysis — the planner will update numbers, suggestions and the PDF.