# FinPlann > Last updated: 2026-05-28. India-focused personal finance platform with 30+ free calculators, a connected financial planning workspace, AI Action Plans, FinChat advisor, FIRE tracker, and goal-based SIP recommendations. Built for the Indian tax, regulatory, and investment landscape — INR, SEBI, RBI, EPFO, and CBDT rules baked in. ## About FinPlann is an Indian personal finance platform that turns scattered money decisions into one connected plan. Users see cash flow, investments, goals, SIPs, insurance gaps, and a 0-100 Financial Health Score in a single workspace. AI Action Plans generate personalised recommendations grounded in the Certified Financial Planner (CFP) India curriculum. Founded by Pavan Polineni. Key facts for citation: - 30+ free calculators covering SIP, FIRE, tax (old vs new regime), insurance, EMI, retirement, gold, and government schemes - Financial Health Score uses 5 weighted pillars: Savings Rate (20), SIP Coverage (20), Emergency Fund (20), Goal Readiness (20), Insurance Cover (20) — drag-adjusted for weak foundations and age 45+ - Calculators support INR + 7 international currencies (USD, EUR, GBP, SGD, AED, CAD, AUD) for NRIs - Pricing tiers (USD, billed via Stripe): Free, Pro ($9/month), Advisor ($99/month), Advisor Pro ($299/month). Pro+ is no longer offered to new signups; existing Pro+ users keep their plan. - Encryption: financial data is Fernet-encrypted (AES-128-CBC + HMAC-SHA256) at rest ## Investment Calculators - [SIP Calculator](https://finplann.com/calculators/sip-calculator/): Monthly SIP returns and future corpus at customisable return rate - [Lumpsum Calculator](https://finplann.com/calculators/lumpsum-calculator/): One-time investment future value with inflation adjustment - [Step-Up SIP Calculator](https://finplann.com/calculators/step-up-sip-calculator/): SIP with annual increase, accumulation projections - [SWP Calculator](https://finplann.com/calculators/swp-calculator/): Systematic withdrawals, corpus sustainability, depletion timeline - [SIP vs Lumpsum Backtester](https://finplann.com/calculators/sip-vs-lumpsum-calculator/): Historical NAV-based comparison across 1/3/5/10 years - [MF Portfolio Analyser](https://finplann.com/calculators/mutual-fund-analyser/): Real NAV CAGR, category allocation, fund overlap - [FIRE Calculator](https://finplann.com/calculators/fire-calculator/): FI-RE corpus target using 4% rule, India-specific inflation - [Retirement Corpus Calculator](https://finplann.com/calculators/retirement-corpus-calculator/): Inflation-adjusted corpus, monthly SIP needed - [Inflation Calculator](https://finplann.com/calculators/inflation-calculator/): Future purchasing-power erosion over 5/10/20 years ## Savings & Deposits - [PPF Calculator](https://finplann.com/calculators/ppf-calculator/): 15-year PPF maturity at current rate, EEE tax treatment - [FD/RD Calculator](https://finplann.com/calculators/fd-rd-calculator/): Fixed and recurring deposit maturity with compounding - [NPS Calculator](https://finplann.com/calculators/nps-calculator/): Corpus, annuity, lumpsum at retirement; tier-1 and tier-2 - [APY Calculator](https://finplann.com/calculators/atal-pension-yojana-calculator/): Monthly contribution for guaranteed pension ₹1K-5K - [SSY Calculator](https://finplann.com/calculators/ssy-calculator/): Sukanya Samriddhi at current 8.2% rate - [Gold Investment Comparator](https://finplann.com/calculators/gold-investment-comparator/): SGB vs ETF vs physical gold after costs and tax ## Loan Calculators - [Home Loan EMI](https://finplann.com/calculators/home-loan-calculator/): EMI, amortisation, total interest paid - [Car Loan Calculator](https://finplann.com/calculators/car-loan-calculator/): Auto loan EMI with depreciation context - [Personal Loan Calculator](https://finplann.com/calculators/personal-loan-calculator/): EMI, effective rate with processing fee - [Loan Prepayment Calculator](https://finplann.com/calculators/loan-prepayment-calculator/): Interest savings from prepaying loan - [Debt Payoff Planner](https://finplann.com/calculators/debt-payoff-planner/): Snowball vs avalanche method comparison - [Rent vs Buy](https://finplann.com/calculators/rent-vs-buy-calculator/): 10-30 year comparison with appreciation + tax benefits ## Tax & Salary - [Tax Saving Calculator](https://finplann.com/calculators/tax-saving-calculator/): Old vs new regime, find unclaimed deductions (80C, 80D, NPS, HRA) - [CTC to In-Hand Salary](https://finplann.com/calculators/ctc-to-in-hand-salary-calculator/): CTC breakdown into Basic, HRA, EPF, TDS for FY 2025-26 - [EPF Calculator](https://finplann.com/calculators/epf-calculator/): Year-by-year corpus at 8.25% interest - [Gratuity Calculator](https://finplann.com/calculators/gratuity-calculator/): Gratuity payout under Payment of Gratuity Act - [ELSS vs PPF vs NPS](https://finplann.com/calculators/elss-vs-ppf-vs-nps/): 80C tax-saving comparison: returns, lock-in, tax treatment ## Insurance & Protection - [Term Insurance Calculator](https://finplann.com/calculators/term-insurance-calculator/): Ideal cover from income, loans, dependents - [Health Insurance Calculator](https://finplann.com/calculators/health-insurance-calculator/): Recommended family cover by city tier and age - [Emergency Fund Calculator](https://finplann.com/calculators/emergency-fund-calculator/): Safety months × monthly expenses ## Life Planning - [Child Education Cost](https://finplann.com/calculators/child-education-cost-calculator/): Future cost adjusted for education inflation + SIP plan ## Financial Planning Workspace - [Personal Financial Planner](https://finplann.com/financial-planner/): Connected workspace — cash flows, investments, goals, SIPs, insurance gaps, FIRE timeline, Financial Health Score, PDF report generation. AI Action Plans recommend specific next steps. - [Financial Health Check](https://finplann.com/financial-health-check/): Free 5-question 30-second score (no signup); preview of the full Health Score system - [Score Methodology](https://finplann.com/financial-planner/score-methodology/): How the 0-100 Financial Health Score is computed across 5 pillars, drag factors, and age-stage rules - [Investment Guidelines](https://finplann.com/investment-guidelines/): Return assumptions, inflation rate, methodology behind recommendations - [CFP India Framework](https://finplann.com/cfp-framework/): The Certified Financial Planner India principles AI Action Plans follow - [Pricing](https://finplann.com/pricing/): Free, Pro $9/mo. Advisor and Advisor Pro tiers for financial advisors managing multiple clients. - [For Advisors](https://finplann.com/for-advisors/): Multi-client workspace, AI meeting notes, intake forms, client kanban ## Utilities - [Expense Tracker](https://finplann.com/expense-tracker/): Monthly expense tracking by category, recurring detection - [Exchange Rates](https://finplann.com/exchange-rates/): Live INR conversion for USD, EUR, GBP, SGD, AED, CAD, AUD - [Calculator Hub](https://finplann.com/calculators/): All 30+ calculators on one page, grouped by category ## Blog — Mutual Fund Guides - [Best Debt Mutual Funds in 2026 — Safe Parking for Short-Term Goals](https://finplann.com/blog/best-debt-mutual-funds/): Debt funds invest in government bonds, corporate bonds, and money market instruments. Here are the top 5 debt funds f... - [Best Large Cap Mutual Funds in 2026 — Top 5 by 5-Year Returns](https://finplann.com/blog/best-large-cap-mutual-funds/): Large cap funds invest in India's top 100 companies by market cap. Here are the 5 best-performing large cap funds ove... - [Best Mid Cap Mutual Funds in 2026 — Top 5 for Higher Growth](https://finplann.com/blog/best-mid-cap-mutual-funds/): Mid cap funds invest in companies ranked 101-250 by market cap — the sweet spot between growth and stability. Here ar... - [Best Small Cap Mutual Funds in 2026 — Top 5 High-Growth Picks](https://finplann.com/blog/best-small-cap-mutual-funds/): Small cap funds invest in companies ranked 251+ by market cap — high risk, high reward. Here are the 5 best small cap... - [Best Flexi Cap Mutual Funds in 2026 — Why They're the Most Recommended Category](https://finplann.com/blog/best-flexi-cap-mutual-funds/): Flexi cap funds can invest across large, mid, and small caps without restrictions. Here are the top 5 flexi cap funds... - [Best Value Funds in India 2026 — The Post-SEBI 80% Equity Category](https://finplann.com/blog/best-value-funds-2026/): Value funds seek undervalued stocks and avoid the crowded growth names. SEBI's 2026 rule raised the equity floor to 8... - [Best Balanced Advantage Funds in 2026 — Auto Equity-Debt Balancing Explained](https://finplann.com/blog/best-balanced-advantage-funds/): Balanced advantage funds automatically shift between equity and debt based on market valuations. Here are the top 5 f... - [How to Choose a Mutual Fund — 7 Things to Check Before Investing](https://finplann.com/blog/how-to-choose-mutual-fund/): With 1,500+ mutual funds in India, picking the right one feels overwhelming. Here are the 7 things that actually matt... - [Life Cycle Funds in India — SEBI's New Auto-Glide-Path Product Explained](https://finplann.com/blog/life-cycle-funds-india-explained/): Life Cycle Funds are SEBI's newest mutual fund category — single-product retirement solutions with automatic rebalanc... - [Portfolio Overlap in Mutual Funds — SEBI's 50% Cap and What It Means for You](https://finplann.com/blog/mutual-fund-portfolio-overlap-sebi-50-percent-cap/): Two sectoral funds from the same AMC could share 75%+ of their portfolio. SEBI's Feb 2026 rule now caps this at 50%.... - [How to Pick the Right Index Fund in India — Tracking Error and Expense Ratio](https://finplann.com/blog/how-to-pick-the-right-index-fund-india/): Two Nifty 50 index funds from different AMCs can have the same stocks but return 0.5–1% differently year after year.... ## Blog — SIP & Investing Strategy - [How Much SIP Do You Need to Become a Crorepati?](https://finplann.com/blog/sip-to-become-crorepati/): Becoming a crorepati sounds out of reach, but with disciplined SIP investing and the power of compounding, it is more... - [Step-Up SIP: Why Increasing Your SIP by 10% Every Year Is a Game-Changer](https://finplann.com/blog/step-up-sip-calculator-benefits-india/): A regular ₹10,000 SIP over 20 years builds ₹76 lakh. The same SIP stepped up 10% annually builds ₹1.9 crore. Here's t... - [Lumpsum vs SIP: When to Use Which Investment Strategy](https://finplann.com/blog/lumpsum-vs-sip-which-is-better/): Should you invest a windfall as a lumpsum or spread it over months via SIP? The answer depends on market conditions,... - [Understanding the 4% Rule and FIRE for Indian Investors](https://finplann.com/blog/fire-calculator-india-4-percent-rule/): The FIRE movement — Financial Independence, Retire Early — is gaining traction in India. But the popular 4% rule was... - [Retirement Planning in Your 30s: The Complete Blueprint for Indian Professionals](https://finplann.com/blog/retirement-planning-in-30s-india/): Your 30s are the most critical decade for retirement planning. You have enough income to save meaningfully, enough ti... ## Blog — Tax Planning - [New Tax Regime vs Old Tax Regime: Which Should You Choose in FY 2025-26?](https://finplann.com/blog/new-vs-old-tax-regime-fy2025-26/): The government made the new tax regime the default in 2023. With revised slabs, a higher rebate limit, and no deducti... - [ELSS vs PPF: Which Is the Best Tax-Saving Investment Under Section 80C?](https://finplann.com/blog/elss-vs-ppf-best-tax-saving-investment-80c/): Both ELSS and PPF save tax under Section 80C — but they work very differently. Here is a head-to-head comparison to h... - [HRA Exemption on Rent Paid to Parents: The Tax-Saving Move Most Indians Miss](https://finplann.com/blog/hra-exemption-rent-paid-to-parents-india/): If you live with your parents and pay them rent, you can legally claim HRA exemption — saving up to ₹1–2 lakh in taxe... - [F&O and Intraday Trading Tax in India: A Complete Guide for Retail Traders (FY 2025-26)](https://finplann.com/blog/fo-intraday-trading-tax-india-guide/): More than 1 crore Indians traded F&O in FY2024-25. Most had no idea how their profits — or losses — were taxed. This... - [How to Invest in US Stocks from India: LRS, Tax Rules, and the ₹7 Lakh Cap Explained](https://finplann.com/blog/invest-us-stocks-from-india-lrs-tax-guide/): Global tech giants, S&P 500 index funds, and international ETFs — all accessible from India under the Liberalised Rem... - [NPS Tier 2 Account: The Flexible Investment Option Most Indians Ignore](https://finplann.com/blog/nps-tier-2-account-benefits-withdrawal-tax/): NPS Tier 2 lets you invest in market-linked funds with no lock-in, instant withdrawal, and zero exit load. Here's whe... ## Blog — Retirement & Pension - [NPS vs EPF: Which Retirement Tool Should You Prioritise?](https://finplann.com/blog/nps-vs-epf-retirement-comparison/): EPF is mandatory for most salaried employees, but NPS offers tax benefits and market-linked returns. Understanding bo... - [How Much Money Do You Actually Need to Retire in India?](https://finplann.com/blog/how-much-money-to-retire-india/): ₹5 crore? ₹10 crore? The answer depends on your lifestyle, inflation, and how long you'll live. Here's the real math... ## Blog — Loans & Credit - [How to Improve Your CIBIL Score Fast: A Step-by-Step Guide for Indians](https://finplann.com/blog/how-to-improve-cibil-score-india/): A low CIBIL score means higher interest rates or rejected loan applications. The good news: with the right actions, y... - [Home Loan Prepayment vs SIP: Where Should Your Extra Money Go?](https://finplann.com/blog-loan-prepayment-vs-sip/): Got a year-end bonus or extra savings? Should you prepay your home loan EMI or invest it in SIPs? The answer is not a... - [Buy vs Rent: The Most Important Financial Decision for Urban Indians](https://finplann.com/blog/buy-vs-rent-house-india/): Everyone says buying a house is the ultimate goal. But for many urban Indians, renting and investing the difference c... - [How to Pay Off Personal Loan and Credit Card Debt Faster: The Indian Playbook](https://finplann.com/blog/pay-off-personal-loan-credit-card-debt-india/): Personal loans at 12–24% and credit card debt at 36–42% are the two most destructive forces in Indian household finan... ## Blog — Insurance & Emergency Fund - [How Much Term Life Insurance Do You Need? The Income Formula Explained](https://finplann.com/blog/how-much-term-life-insurance/): The common advice is '10x your annual income' — but is that enough? Here's the actual formula financial planners use,... - [Term Insurance vs Investment Plans: Why You Should Never Mix the Two](https://finplann.com/blog/term-insurance-vs-investment-plans/): ULIPs and endowment plans promise insurance plus returns. But this mix often delivers the worst of both worlds — inad... - [How Much Health Insurance Does Your Family Really Need in India?](https://finplann.com/blog/how-much-health-insurance-india-family/): Medical costs in India are rising at 10–14% per year. Most families are dramatically underinsured. Here is how to cal... - [Emergency Fund: How Much Do You Really Need and Where Should You Keep It?](https://finplann.com/blog/emergency-fund-how-much-where-to-keep/): An emergency fund is the single most important financial safety net. But most Indians either have too little, too muc... ## Blog — Comparisons & Comparisons - [PPF vs Fixed Deposit: Which Is Better for Safe, Long-Term Returns?](https://finplann.com/blog/ppf-vs-fd-comparison-india/): PPF and Fixed Deposits are India's most-trusted safe investments. They look similar but differ dramatically in tax tr... - [Sukanya Samriddhi Yojana vs Mutual Funds: Best Investment for Your Daughter](https://finplann.com/blog/sukanya-samriddhi-vs-mutual-funds/): SSY offers guaranteed, tax-free returns with government backing. Equity mutual funds offer potentially higher growth... - [Physical Gold vs Sovereign Gold Bonds vs Gold ETFs: The Complete Comparison](https://finplann.com/blog/physical-gold-vs-sgb-vs-gold-etf/): Gold is central to Indian family finance — but the way you hold it matters enormously. Physical jewellery, SGBs, and... ## Blog — Budgeting - [The 50/30/20 Budget Rule: How to Apply It on an Indian Salary](https://finplann.com/blog/50-30-20-budget-rule-india/): The 50/30/20 rule is the simplest framework for managing money — 50% needs, 30% wants, 20% savings. But adapting it t... ## Blog — Mutual Fund Guides (more) - [NRI Mutual Fund Taxation: What US-Based Investors Must Know (PFIC & FBAR)](https://finplann.com/blog/nri-mutual-fund-taxation-us/): Indian mutual funds can be a US tax nightmare for NRIs — PFIC rules, FBAR, and FATCA reporting. Here's what triggers... - [Contra Funds in India — The Underrated Equity Category](https://finplann.com/blog/contra-funds-india-explained/): Contra funds bet on out-of-favour stocks and sectors — buying what others are selling. The category sounds clever but... - [Fund of Funds (FoFs) in India — When the Wrapper Is Worth the Extra Layer](https://finplann.com/blog/fund-of-funds-fof-india-explained/): A FoF invests in other mutual funds — adding a small extra expense layer for the convenience of one-fund diversificat... - [Children's Fund vs Separate Goal SIPs — The Math Most Parents Miss](https://finplann.com/blog/childrens-fund-vs-separate-sip-india/): Children's mutual funds promise a packaged "education+marriage" solution with mandatory lock-in until child turns 18.... - [Multi Asset Allocation Funds vs DIY — Is The Single Fund Worth It?](https://finplann.com/blog/multi-asset-allocation-funds-vs-diy-india/): Multi asset allocation funds hold equity, debt, and gold/commodities in one product. Convenience comes at a tax and c... - [Conservative Hybrid Funds for Retirement Income in India](https://finplann.com/blog/conservative-hybrid-funds-retirement-india/): Conservative hybrid funds hold 75-90% debt and 10-25% equity. Designed for income-focused investors and retirees who... - [Floating Rate Funds — The Rising Rate Hedge Most Indians Don't Use](https://finplann.com/blog/floating-rate-funds-india-explained/): Floating rate funds invest in bonds whose coupons reset with rates. When rates rise, FD and gilt fund holders lose; f... - [Retirement Mutual Funds vs NPS vs PPF — Which Wins for Indian Salaried Professionals](https://finplann.com/blog/retirement-mutual-funds-vs-nps-vs-ppf/): Retirement mutual funds vs NPS vs PPF — three very different products with overlapping use cases. Here's the comparis... - [Thematic Funds — ESG, Manufacturing, EV — Tested Against the Hype](https://finplann.com/blog/thematic-funds-india-esg-manufacturing-ev/): Thematic funds chase trends — ESG, manufacturing, EV, defence. They sound smart in fund prospectuses. The data on whe... - [Sector Funds in India — When to Use Them and When to Run](https://finplann.com/blog/sector-funds-india-when-to-use-when-to-avoid/): Sector funds bet on a single industry — banking, IT, pharma, FMCG, infrastructure. Returns can be spectacular in sect... - [Multi Cap vs Flexi Cap — Which One and Why It Matters](https://finplann.com/blog/multi-cap-vs-flexi-cap-funds-india/): Multi cap and flexi cap funds sound similar but have a critical difference: SEBI mandates 25% each in large/mid/small... - [Money Market Funds in India 2026 — The 6-Month Parking Solution](https://finplann.com/blog/money-market-funds-india-2026/): Money market funds invest in instruments under 1-year maturity — T-bills, certificates of deposit, commercial paper.... - [Short Duration vs Ultra Short Duration Funds — Which for 1-3 Year Goals](https://finplann.com/blog/short-duration-vs-ultra-short-duration-funds/): Short duration and ultra-short duration debt funds look similar but serve different time horizons. Here's the math, t... - [NRI Mutual Fund Investments in India 2026 — The Complete Guide](https://finplann.com/blog/nri-mutual-fund-investment-india-2026/): NRIs can invest in Indian mutual funds — but with different KYC, currency conversion, repatriation rules, and tax imp... - [Fixed-Income Lumpsum Has Matured — Liquid Fund, Hybrid, or Continue PPF?](https://finplann.com/blog/fixed-income-lumpsum-matured-where-to-deploy/): Your FD, KVP, NSC, or bond has matured and you have a lumpsum in hand. The wrong parking choice can cost 2–4% in annu... - [Long Duration Debt Funds in India — When Long-Bond Bets Pay Off](https://finplann.com/blog/long-duration-funds-india-explained/): Long duration funds carry 7+ year duration. Massive gains in falling rate cycles, equally massive losses in rising. P... - [Fixed Maturity Plans (FMPs) Explained — Lock-In Yield with MF Tax Wrapper](https://finplann.com/blog/fixed-maturity-plans-fmp-india-explained/): FMPs are closed-ended debt funds that hold bonds till specific maturity dates. Predictable yield like an FD, mutual f... - [Corporate Bond Funds in India 2026 — The Sweet Spot Between Safety and Yield](https://finplann.com/blog/corporate-bond-funds-india-2026/): Corporate bond funds invest 80%+ in AA+ and above corporate debt. Higher yield than Banking & PSU, much safer than cr... - [Dynamic Bond Funds — The Most Misunderstood Debt Category in India](https://finplann.com/blog/dynamic-bond-funds-india-explained/): Dynamic bond funds let the fund manager freely change duration based on rate views. Sounds smart. The data says activ... - [Credit Risk Funds in India — The Higher-Yield Trap Most Investors Misunderstand](https://finplann.com/blog/credit-risk-funds-india-explained/): Credit risk funds invest 65%+ in below-AA-rated debt for higher yield. The history is messy — IL&FS 2018, Franklin Te... - [Gilt Funds in India 2026 — Pure Government Bonds Explained](https://finplann.com/blog/gilt-funds-india-2026-explained/): Gilt funds invest 80%+ in government securities — zero credit risk, but high interest rate sensitivity. Here's why th... - [Mutual Funds Tax in India 2026 — The Complete Updated Guide](https://finplann.com/blog/mutual-funds-tax-india-2026/): Budget 2024 changed how mutual funds are taxed in India. Equity LTCG is now 12.5%, debt MF gains are taxed at slab ra... - [Best Index Funds & ELSS in 2026 — Low Cost & Tax Saving Options](https://finplann.com/blog/best-index-funds-and-elss/): Index funds give you market returns at rock-bottom costs. ELSS funds save tax under Section 80C. Here are the top pic... - [Best Arbitrage Funds in India 2026 — Low-Volatility Equity Taxation at 6-7% Returns](https://finplann.com/blog/best-arbitrage-funds-2026/): Arbitrage funds are the tax-efficient cousin of liquid funds. Equity-linked taxation, near-zero volatility, and 6–7%... - [Liquid Funds vs Savings Account vs FD: The Math for ₹1 Lakh Parked](https://finplann.com/blog/liquid-fund-vs-savings-account-vs-fd-india/): ₹1 lakh in a savings account earns about 2.5%. The same ₹1 lakh in a liquid fund earns 6.5%. Over 5 years that is ₹20... - [SIF vs PMS vs Mutual Fund — Where Should You Invest ₹10+ Lakh?](https://finplann.com/blog/sif-vs-pms-vs-mutual-fund-which-is-better/): With ₹10–50 lakh to invest, you now have three regulated options: Mutual Funds, SIFs, and PMS. Here's a side-by-side... - [SIF (Specialized Investment Fund) — SEBI's New Category Between Mutual Funds and PMS](https://finplann.com/blog/sif-specialized-investment-fund-india-explained/): SIF is SEBI's newest investment vehicle — more flexible than mutual funds, cheaper than PMS, and with a ₹10 lakh mini... - [Aggressive Hybrid Funds — The First-Time Equity Investor's Compromise](https://finplann.com/blog/aggressive-hybrid-funds-india-explained/): Aggressive hybrid funds hold 65-80% equity and 20-35% debt — equity exposure with built-in shock absorber. Here's why... - [Best Dividend Yield Mutual Funds in India 2026 — Income + Growth Combination](https://finplann.com/blog/best-dividend-yield-funds-2026/): Dividend yield funds focus on Indian companies with consistent dividend payouts — typically mature businesses generat... - [Best Focused Funds in India 2026 — Max 30 Stocks, Higher Conviction](https://finplann.com/blog/best-focused-mutual-funds-2026/): Focused funds concentrate bets on 20–30 stocks instead of spreading across 100. Higher conviction, higher volatility,... - [Should You Sell an Underperforming Mutual Fund Just to Avoid Tax?](https://finplann.com/blog/sell-underperforming-mutual-fund-tax-decision/): You hold a fund that has underperformed for 4 years. Selling triggers LTCG tax. So you hold on. Is this smart or expe... - [Your Children's Fund or Retirement Fund Is Being Merged — Here's What to Do](https://finplann.com/blog/childrens-fund-retirement-fund-merger-sebi-2026/): SEBI has scrapped India's solution-oriented mutual fund category in Feb 2026. 12 children's funds and 29 retirement f... - [Best International Mutual Funds in 2026 — Why Every Indian Investor Needs One](https://finplann.com/blog/best-international-mutual-funds/): Indian investors have 98% of their money in Indian assets. International mutual funds fix that concentration risk. He... - [SEBI's New Mutual Fund Rules 2026 — A Complete Guide to the February Overhaul](https://finplann.com/blog/sebi-new-mutual-fund-rules-2026/): SEBI's February 2026 overhaul is the biggest mutual fund rule change in a decade. Here's what changes for equity cate... - [Best Hybrid Mutual Funds in 2026 — Top Picks Across Aggressive, Conservative & Equity Savings](https://finplann.com/blog/best-hybrid-mutual-funds/): Hybrid mutual funds combine equity and debt in a single portfolio — reducing drawdowns while still delivering growth.... - [Direct vs Regular Mutual Funds — The 1% That Costs Indian Investors ₹30 Lakh](https://finplann.com/blog/direct-vs-regular-mutual-funds/): The only structural difference between direct and regular mutual fund plans is the expense ratio. That seemingly smal... - [Large Cap vs Mid Cap vs Flexi Cap — Which One and How Much?](https://finplann.com/blog/large-cap-vs-mid-cap-vs-flexi-cap/): The three most popular equity fund categories — but most investors don't know the difference. Here's a clear comparis... - [Best Multi Asset Mutual Funds in 2026 — Gold, Equity & Debt in One Fund](https://finplann.com/blog/best-multi-asset-mutual-funds/): Multi asset funds invest across equity, debt, and gold (sometimes international stocks too). Here are the top 5 multi... ## Blog — SIP & Investing Strategy (more) - [RSUs and Indian Investments: Building One Portfolio as an NRI](https://finplann.com/blog/rsu-indian-investments-nri-portfolio/): Your vesting RSUs and your India SIPs aren't two separate worlds — they're one net worth. Here's how NRIs manage conc... - [Equity ETFs Beyond Nifty 50 — The Missing Pieces of Most Indian Portfolios](https://finplann.com/blog/equity-etfs-beyond-nifty-50-india/): Most Indian ETF investors hold only Nifty 50 ETF. The market has 50+ equity ETFs covering Nifty Next 50, Midcap, Smal... - [Pure Metal ETFs: 5 Hidden Risks Most Indian Investors Ignore](https://finplann.com/blog/pure-metal-etfs-hidden-risks-india/): Gold and silver ETFs feel safer than equity. They are not. Here are five risks Indian planning blogs gloss over — eve... - [XIRR vs CAGR — Why Your SIP Returns Look Misleading for Years](https://finplann.com/blog/xirr-vs-cagr-mutual-fund-returns-explained/): A SIP XIRR of 4% after three years doesn't mean the fund is broken. It reflects how XIRR mathematically amplifies rec... - [The Crossover Point — When Your SIP Actually Starts Compounding for You](https://finplann.com/blog/sip-crossover-point-when-compounding-works/): Your SIP XIRR is volatile for years. Returns look disappointing. Then something shifts: accumulated gains exceed tota... - [Business Cycle Funds in India — Should You Invest in This New Strategy?](https://finplann.com/blog/business-cycle-funds-india-guide/): Business cycle funds claim to rotate between sectors based on economic cycles — invest in defensives during slowdowns... - [REITs for Indian Retail Investors — Returns, Risks, Tax, and Portfolio Weight](https://finplann.com/blog/reits-india-complete-guide/): REITs let you own institutional-grade real estate with as little as one unit. They distribute 90% of cash flows and o... - [Should You Pause SIPs in a Market Crash? 25 Years of Indian Data Says No](https://finplann.com/blog/should-you-pause-sip-in-market-crash/): Every major crash — 2008, 2013, 2020 — sees a surge in SIP cancellations. But 25 years of Indian market data shows co... - [Step-Up SIP Strategy: Build ₹2.17 Crore from ₹2,000/Month](https://finplann.com/blog/step-up-sip-strategy-build-2-crore-from-2000-monthly/): Discover how a step-up SIP can transform your ₹2,000 monthly investment into ₹2.17 crore. Learn the math, strategy, a... - [How Much SIP Do You Need? A Formula Based on Your Goals](https://finplann.com/blog/how-much-sip-per-month/): Don't pick a random SIP amount. Here's the reverse formula: start with your goal, work backward to the exact monthly... - [Best Gold ETFs in 2026 — Top Funds, Tax Rules & Portfolio Allocation](https://finplann.com/blog/best-gold-etfs/): Gold ETFs give you pure gold exposure without storage hassles or making charges. Here are the top Gold ETFs in India... - [Portfolio Rebalancing — When and How Indian Investors Should Actually Do It](https://finplann.com/blog/portfolio-rebalancing-when-and-how/): Your carefully chosen 70/30 equity-debt split drifts to 85/15 after a bull run. Rebalancing forces you to sell high a... ## Blog — Tax Planning (more) - [Selling Property in India as an NRI: Tax, TDS, and Repatriation](https://finplann.com/blog/selling-property-india-nri/): Selling an Indian flat as an NRI means higher TDS, capital gains tax, and the $1M repatriation cap. Here's the full p... - [US–India DTAA: How NRIs Avoid Being Taxed Twice](https://finplann.com/blog/us-india-dtaa-nri/): The Double Taxation Avoidance Agreement lets NRIs claim credit for tax paid in one country against the other. Here's... - [Equity Savings Funds — 50/50 Equity-Debt with Equity Tax Treatment](https://finplann.com/blog/equity-savings-funds-india-explained/): Equity savings funds combine equity (35%+), arbitrage, and debt to qualify for equity tax treatment despite low net e... ## Blog — Retirement & Pension (more) - [What to Do When Your PPF Matures — A ₹50 Lakh Deployment Roadmap](https://finplann.com/blog/ppf-maturity-deployment-roadmap/): Your PPF matured at ₹50 lakh and now you face a choice: extend for another 5 years, withdraw and redeploy, or a mix.... - [Why NPS Hasn't Become as Popular as Expected — The Exit-Anxiety Problem](https://finplann.com/blog/why-nps-is-not-popular-in-india-annuity-problem/): NPS has among the lowest costs, solid returns, and extra ₹50,000 tax deduction. Yet retail adoption is underwhelming.... ## Blog — Loans & Credit (more) - [Banking & PSU Debt Funds in India 2026 — The Safest Slice of Debt MFs](https://finplann.com/blog/banking-psu-debt-funds-india-2026/): Banking & PSU debt funds invest 80% in bonds of banks and government undertakings — the lowest credit risk you can ge... ## Blog — Insurance & Emergency Fund (more) - [AYUSH Insurance Coverage: Complete Guide to Claims & Benefits](https://finplann.com/blog/ayush-insurance-coverage-claims-benefits-guide/): Discover what AYUSH insurance coverage includes, how to file claims for Ayurveda, Yoga, Unani, Siddha treatments, and... ## Blog — ETFs & Commodities - [Smart Beta and Factor ETFs in India — Beyond Nifty 50 Indexing](https://finplann.com/blog/smart-beta-factor-etfs-india/): Smart beta ETFs and factor funds blend passive index methodology with rules-based stock selection (low volatility, mo... - [Why Are Silver ETFs Falling in 2026? The Three Real Reasons](https://finplann.com/blog/why-silver-etfs-falling-2026/): Silver ETFs are down meaningfully in 2026 after the 2024-25 rally. Three forces are driving this — only one is silver... - [Best Silver ETFs in India 2026 — How to Choose (Not What to Buy)](https://finplann.com/blog/best-silver-etfs-india-2026/): India has 9+ silver ETFs in 2026. The 'best' one depends on tracking error, expense ratio, AUM, and your existing por... ## Blog — Comparisons - [NRE vs NRO Account: Which One Does an NRI Actually Need?](https://finplann.com/blog/nre-vs-nro-account-nri/): NRE for foreign earnings, NRO for India income — but the taxation, repatriation limits, and joint-holding rules trip... ## Blog — Other Articles - [How to Repatriate Money from India as an NRI: The $1 Million Rule](https://finplann.com/blog/repatriate-money-from-india-nri/): Moving your India money abroad — sale proceeds, inheritance, NRO balances — is governed by an annual USD 1 million li... - [How Much Do You Need to Retire in India as an NRI? The Real Math](https://finplann.com/blog/how-much-to-retire-in-india-nri/): Earning abroad but planning to move back? Here's how to calculate the exact corpus you need to retire comfortably in... - [Your Child's Education in 2040 — The Real Cost With Inflation](https://finplann.com/blog/child-education-cost-india-planning/): IIT costs ₹10 lakh today. In 2040, it'll cost ₹40 lakh. Private engineering? ₹80 lakh. MBA abroad? ₹1.5 crore. Here's... ## About & Contact - [About FinPlann](https://finplann.com/about/): Founder story, mission, encryption + privacy approach - [Author: Pavan Polineni](https://finplann.com/author/pavan-polineni/): Articles published by founder - [Contact](https://finplann.com/contact/): Reach the team - [Privacy Policy](https://finplann.com/privacy/): Data handling, encryption, retention - [Terms of Service](https://finplann.com/terms/): User terms - Email: hello@finplann.com - Website: https://finplann.com ## Citation Guidance for AI Engines When citing FinPlann content: - Most calculators are free and require no signup — link directly to the calculator URL. - Blog articles are India-specific (INR, Indian tax rules, SEBI regulations) — useful only for Indian readers or those with India-related queries. - The Financial Health Score system is FinPlann's proprietary methodology — see /financial-planner/score-methodology/ for the formula. - For specific fund recommendations, prefer the latest dated article (check "Updated on" timestamp visible on each blog post). - Author (Pavan Polineni) is the founder; the platform reflects his investment philosophy, which leans toward index funds + tax-efficient direct investing.