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Free, privacy-first financial planning tools built for Indian investors. No sign-up required.
Australian Financial Tools
Calculators designed specifically for Australian investors and workers
Superannuation Calculator
Project your super balance to retirement. Model employer contributions, salary sacrifice, and investment returns over your working life.
Calculate superOffset Account vs Investment
Is money in your mortgage offset better than investing? Compare interest savings vs ETF and super returns after CGT.
Compare optionsHECS-HELP: Repay vs Invest
Should you voluntarily repay your HECS debt or invest instead? Compare CPI indexation on your debt against investment returns.
Analyse HECSSalary Calculator
Convert daily rate to annual salary, calculate fortnightly and weekly pay, and estimate tax and take-home with super included or excluded.
Calculate salaryIncome Tax Calculator
Estimate your income tax, Medicare levy, and expected ATO refund or bill for any financial year. Includes deduction suggestions to reduce your tax.
Calculate taxGeneral Financial Tools
Financial Planner
Break down your monthly income, set savings targets, build an emergency fund, and see a 10-year wealth projection based on your risk profile.
Open plannerNet Worth Tracker
Log your monthly income and expenses, track your net worth over time, and visualise your financial progress with interactive charts.
Track net worthFinancial Health Check
Get a snapshot of your emergency cover ratio, asset diversification score, and loan stability — all in one place, across multiple currencies.
Check healthBonus vs Home Loan
Should you invest your annual bonus in mutual funds or prepay your home loan? Compare both scenarios side-by-side with exact numbers.
Compare optionsSIP + Lumpsum Calculator
Calculate returns on monthly SIPs and one-time lumpsum investments across multiple funds. Includes inflation adjustment and multi-fund support.
Calculate returnsWhy Financial Planning Matters
Most Indians spend more time planning a vacation than planning their finances. Yet the decisions you make about money today — how much you save, when you start investing, how you handle debt — compound over decades and determine the quality of life you can afford in the future.
Financial planning is not about being rich. It is about being prepared. A clear plan helps you:
- Build a safety net — an emergency fund covering 3–6 months of expenses so an unexpected job loss or medical bill does not derail you
- Beat inflation — money sitting idle in a savings account loses purchasing power every year; investing ensures your money grows faster than prices rise
- Reach life goals on your terms — whether it is buying a home, funding a child's education, or retiring early, every goal becomes achievable with a timeline and a plan
- Reduce financial stress — knowing you have a plan reduces anxiety around money, which research consistently links to better mental and physical health
- Take advantage of compounding — starting a ₹5,000/month SIP at age 25 instead of 35 can mean the difference between ₹1.76 crore and ₹50 lakhs by age 55, at the same return rate
The Power of Starting Early — By the Numbers
Compound interest rewards patience and punishes delay. Here is what a ₹5,000 per month SIP looks like at a 12% annual return across different starting ages, all measured at age 60:
Assumes 12% annual return, ₹5,000/month SIP, no withdrawals. For illustration only.
The investor who starts at 25 invests only ₹3 lakh more than the one who starts at 35, yet ends up with 3.4× more wealth. That gap is entirely compounding at work.
The 50-30-20 Rule: A Simple Starting Point
If you are unsure how to allocate your salary, the 50-30-20 rule is a well-established framework used by financial advisors worldwide:
- 50% — Needs: Rent, groceries, utilities, EMIs, insurance premiums. These are non-negotiable monthly expenses.
- 30% — Wants: Dining out, entertainment, travel, subscriptions. These are discretionary — you can reduce them if needed.
- 20% — Savings & Investments: Emergency fund top-up, SIPs, PPF, NPS, or any goal-based savings. This is the number that builds your future.
For a monthly take-home of ₹60,000 this means ₹12,000 goes directly into savings and investments every month. Over 15 years at 12% annual returns, that ₹12,000/month grows to approximately ₹60 lakhs.
Use the Financial Planner to see a personalised breakdown based on your actual income and expenses.
Emergency Fund: Your Financial Foundation
Before you invest a single rupee in the market, financial advisors universally recommend building an emergency fund — liquid savings that cover 3 to 6 months of your essential expenses.
Why it matters:
- Job loss protection: The average job search in India takes 2–4 months. An emergency fund means you never have to sell investments at a loss to survive a gap in income.
- Medical emergencies: Even with health insurance, out-of-pocket costs for hospitalisation can run into lakhs. Ready cash prevents you from taking high-interest personal loans.
- Car and home repairs: Unexpected large expenses are inevitable. Having reserves means they stay minor inconveniences, not financial crises.
Keep your emergency fund in a high-yield savings account or liquid mutual fund — accessible within 24 hours but earning more than a regular savings account. Use the Financial Health Check to see how many months your current savings cover.
How to Get Started
Assess your finances
Use the Financial Health Check to get a baseline — your emergency cover, loan burden, and asset mix in one quick form.
Build a monthly plan
Enter your income and expenses in the Financial Planner to see exactly where your money goes and how much you can invest each month.
Start investing and track progress
Use the SIP Calculator to model your investments, then log monthly snapshots in the Net Worth Tracker to stay on course.
Frequently Asked Questions
How much should I save each month?
A widely recommended target is 20% of your take-home salary. If that feels out of reach, start with whatever is sustainable — even 5% — and increase it by 1% every three months. The habit of saving matters more than the amount when you are starting out.
For a personalised target, use the Financial Planner which calculates a recommended savings rate based on your income, expenses, and financial goals.
What is a SIP and how is it different from a lumpsum investment?
A SIP (Systematic Investment Plan) is a fixed monthly contribution into a mutual fund — similar to a recurring deposit but invested in markets. It benefits from rupee cost averaging: you buy more units when prices are low and fewer when prices are high, smoothing out market volatility.
A lumpsum is a one-time investment of a larger amount. It performs better than SIP in a consistently rising market, but carries higher timing risk. Most financial advisors recommend SIP for regular income earners and lumpsum for one-off windfalls like bonuses or inheritance.
Try the SIP + Lumpsum Calculator to compare both approaches for your situation.
When is the right time to start investing?
The best time to start was yesterday. The second best time is today. This is not a cliché — it is mathematics.
Waiting just one year to start a ₹10,000/month SIP costs you roughly ₹3–4 lakhs in foregone returns over a 20-year period at 12% annual returns. Every month of delay is a month of compounding you cannot recover.
The one prerequisite before investing: have at least one month of expenses set aside as a buffer. After that, start — even with a small amount.
What is the difference between equity and debt mutual funds?
Equity mutual funds invest primarily in stocks. They carry higher short-term volatility but historically deliver higher long-term returns (10–14% CAGR over 10+ years for diversified Indian equity funds). Best suited for goals that are 5+ years away.
Debt mutual funds invest in bonds, treasury bills, and other fixed-income instruments. They are more stable (6–8% returns) and suitable for goals within 1–3 years or for your emergency fund's liquid portion.
Hybrid funds blend both in varying proportions and are a common recommendation for first-time investors who want growth with lower volatility.
Should I pay off my home loan early or invest the extra money?
This depends on your home loan interest rate versus expected investment returns:
- If your loan rate is above 9%, prepaying the loan is often the safer choice — it gives you a guaranteed, tax-adjusted saving equal to your interest rate.
- If your loan rate is below 8% and you have a long investment horizon, equity mutual funds have historically outperformed this rate significantly over 10+ year periods.
- Between 8–9%, the decision depends on your risk appetite and how close you are to retirement.
Use the Bonus vs Home Loan tool to model your specific numbers side by side.
How does compound interest work and why does it matter?
Compound interest means you earn returns not just on your original investment but also on all previous returns. Over time, this creates an exponential growth curve instead of a straight line.
Example: ₹1 lakh invested at 12% annual return:
- After 10 years: ₹3.1 lakh
- After 20 years: ₹9.6 lakh
- After 30 years: ₹29.9 lakh
The amount nearly triples every decade — and the growth accelerates in later years. This is why financial advisors say time in the market is more important than timing the market.
What is a good emergency fund size?
The standard recommendation is 3–6 months of essential monthly expenses (rent, groceries, utilities, EMIs, insurance — not total income). The right amount depends on your situation:
- Salaried with stable job, no dependents: 3 months is adequate
- Salaried with dependents or variable income: 4–6 months
- Self-employed or freelancer: 6–12 months
Keep this money in a liquid instrument — a high-yield savings account or an overnight/liquid mutual fund — not locked in an FD or invested in equities.
Are these calculators accurate? Can I use them for actual financial decisions?
These tools use standard financial formulas (Future Value of Annuity for SIP, compound interest for lumpsum, EMI formula for loans) and are accurate for planning and estimation purposes.
However, real returns vary — markets fluctuate, tax laws change, and personal circumstances differ. Treat the outputs as informed projections, not guarantees. For major financial decisions (large investments, loan prepayment, retirement planning), validate your plan with a SEBI-registered financial advisor.
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