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Cash Flow Breakdown

Free to Invest

₹0

0%

Expenses

Current SIPs

New Investment

Available to Invest

Financial Health Score

On Track

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Monthly Surplus

₹0.00

—

New SIP Needed

₹0.00

—

Financial Freedom

—

Enter income, expenses & investments to see your freedom timeline.

Emergency Fund

0 Months

of expenses covered

Net Worth

₹0

assets minus liabilities

Still Needed for Goals

₹0

total remaining across goals

Net Worth Over Time

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Profile

Tell us about yourself — this shapes your score, insurance needs, and AI recommendations.

Date of Birth

Age 30 · Determines life stage and investment urgency.

Dependents

0–10 · Spouse, children, or parents who depend on your income.

Life Stage

Growth Phase

Peak earning years — maximize investments, define goals, and grow your savings aggressively.

Cash Flows

Enter your monthly income and expenses to see your savings. View exchange rates

Monthly Income

₹0

all sources

Monthly Expenses

₹0

incl. loan payments

Monthly Savings

₹0

income − expenses

Savings Rate

0%

—

Monthly Income

Source	Frequency	Currency	Amount

Total Income (Monthly, in ₹)			0.00

Monthly Expenses

Expense	Frequency	Currency	Amount

Loan Payments (auto-synced from Investments tab) —	Monthly	INR	₹0
Total Expenses (Monthly, in ₹)			0.00

Investments & Assets

Add all assets including property, mutual funds, FDs, and cash savings.

Property & Long-term Assets

Category	Name	Currency	Invested Amt	Current Value

Property & Long-term Total (in ₹)				0.00

Liquid Investments & Cash

Category	Name	Currency	Invested Amt	Current Value

Liquid + Cash Subtotal (in ₹)				0.00

Liabilities

Category	Name	Currency	Outstanding Amount	Monthly EMI	Interest Rate %

Total Liabilities (in ₹)			0.00	0.00

Net Investments Value

0.00

assets − liabilities

Financial Goals

Add each goal — enter the target year and today's cost. We'll apply inflation and calculate the monthly investment needed. Savings already set aside are deducted automatically.

Total Goals

0

active goals

Total Amount Needed

₹0

inflation-adjusted

Still Needed

₹0

still to fund

Monthly Investment Plan

Map your existing SIPs to goals and see the additional monthly investment required to meet each target.

Current SIPs

₹0

per month

SIP Allocation

Add SIPs to see allocation

Additional Needed

₹0

per month to start

Your Current SIPs

Map each SIP to a goal — the amount automatically reduces what's still needed.

Total: ₹0/m

Category	Fund Name	Currency	Amount	Return%	Notes	Goal

	Total Current SIPs	₹0

Goal-wise Investment Plan

Each goal shows the monthly investment needed, how much is covered by your current SIPs, and what additional amount to start.

Goal	Still Needed	Years to Goal	Expected Return %	Required / month	Current SIP / month	Additional Needed	Suggested Mix (Fund / Allocation / Value)
				0.00		0.00	-
Total New SIP Needed							0.00

Insurance Planning

Estimate your life, health, and critical illness coverage. Results update live as you fill in your details.

Life Cover

—

Fill details below

Health Cover

—

Fill details below

Critical Illness

—

Fill details below

Term Life Insurance

Income replacement + loan cover for your family

Annual Income

Auto-filled from income · dbl-click to reset

Outstanding Loans

Added on top · dbl-click to reset

Existing Cover

All term & life policies

Recommended

—

Health Insurance

Hospitalisation cover for you & your family

Existing Cover

Group + personal policy

Recommended

—

Critical Illness Cover

One-time payout on diagnosis of major conditions

Existing Cover

Standalone or add-on cover

Recommended

—

Indicative estimates — consult a SEBI-registered advisor or IRDAI-certified insurance advisor for personalised recommendations.

AI Action Plan

Personalised insights powered by Claude AI

Built on CFP India guidelines

Why trust this action plan?

Our AI is guided by the Certified Financial Planner (CFP) India curriculum — the same framework used by FPSB-certified advisors. It follows CFP principles for cash flow management, emergency fund sizing, goal-based SIP allocation, insurance gap analysis, and retirement planning. Claude AI then applies these guidelines to your specific numbers. Learn more

AI Recommendations — Pro Feature

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Financial Planner

3 minutes to your first financial health score

Profile

Cash Flows

Monthly Income

Monthly Expenses

Investments & Assets

Property & Long-term Assets

Liquid Investments & Cash

Liabilities

Financial Goals

Monthly Investment Plan

Your Current SIPs

Goal-wise Investment Plan

Insurance Planning

Term Life Insurance

Health Insurance

Critical Illness Cover

AI Action Plan

AI Recommendations — Pro Feature

Monthly limit reached

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