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| Category | Amount (₹) | Percentage |
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| Goal | Target Year | Target Amount (₹) | Priority |
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| Name | Relationship | Age | Stakeholder | Earning | Retirement Age |
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Comprehensive Financial Planning Tool
Tell us about your family structure and stakeholders
This session captures essential family details including stakeholders (decision makers), children, and dependents. This forms the foundation for all financial planning recommendations.
| Name | Relationship | Age | Stakeholder | Earning | Retirement Age | Action |
|---|
Understanding your values, attitudes, and personal circumstances helps us create a plan aligned with your lifestyle and priorities.
Monthly income, expenses, and savings analysis
Understanding your cash flow helps identify how much you can save monthly for your goals. We analyze income sources, living expenses, and other outflows to calculate your actual available savings.
Add household members to calculate their individual taxes
Calculates tax as per latest 2025-26 Indian tax rules. New regime slabs with 4% cess and ₹50,000 standard deduction (salaried); rebate u/s 87A up to ₹7L taxable. Old regime with Section 80C deductions; rebate up to ₹5L. Includes surcharge for high incomes (>₹50L).
| Name | Income Type | Tax Regime | Gross Annual (₹) | Net Monthly (₹) | Action |
|---|
Understanding your cash flow helps identify how much you can save monthly for your goals. We analyze income sources, living expenses, and other outflows to calculate your actual available savings.
List all your assets categorized by type. Total will be automatically calculated.
Include all assets: liquid (cash, savings), investments (stocks, mutual funds), insurance values, real estate, personal items, and business assets.
List all your liabilities categorized by type. Outstanding principal amounts only (EMIs go under expenses).
Record outstanding principal balances. EMI payments belong in the Cash Flow section, not here.
Current investments and strategic allocation strategy
Review your current investment portfolio allocation (from Session 3 Assets) and set strategic targets to optimize returns while managing risk based on your goals and risk profile.
Update your Insurance details in Session 6 and return here to see the summary reflected in your portfolio planning.
✓ Portfolio data is automatically populated from your Investment Assets (Session 3). Update asset values in Session 3 to see changes here.
| Asset Class | Current Value | Current % | Target % | Variance |
|---|---|---|---|---|
| 💼 Equity & Growth | ₹ 0 | 0% | - | - |
| 🏦 Fixed Income/Debt | ₹ 0 | 0% | - | - |
| 🎯 Retirement Accounts | ₹ 0 | 0% | - | - |
| 🪙 Commodities (Gold/Silver) | ₹ 0 | 0% | - | - |
| 🚀 Alternatives (Crypto/REITs) | ₹ 0 | 0% | - | - |
| 💰 Liquid Assets (Cash/Savings) | ₹ 0 | 0% | - | - |
| Total Investable Assets | ₹ 0 | 100% | 100% | - |
Set your target allocation percentages. The system will compare with your current portfolio and show rebalancing needs. Total should equal 100%.
✓ Comprehensive view of your financial position combining data from all sessions.
| Category | Amount | % of Income |
|---|---|---|
| 📊 Total Monthly Income | ₹ 0 | 100% |
| 📉 Total Monthly Expenses | ₹ 0 | 0% |
| ├─ Living Expenses | ₹ 0 | 0% |
| └─ Other Expenses | ₹ 0 | 0% |
| 💾 Available for Savings | ₹ 0 | 0% |
| Category | Amount | % of Total |
|---|---|---|
| 🏦 Total Assets | ₹ 0 | - |
| ├─ Liquid Assets | ₹ 0 | 0% |
| ├─ Investment Assets | ₹ 0 | 0% |
| ├─ Real Estate | ₹ 0 | 0% |
| └─ Other Assets | ₹ 0 | 0% |
| 📊 Total Liabilities | ₹ 0 | - |
| ├─ Secured Debt | ₹ 0 | 0% |
| ├─ Unsecured Debt | ₹ 0 | 0% |
| ├─ Business Debt | ₹ 0 | 0% |
| └─ Informal Debt | ₹ 0 | 0% |
| 🎯 Net Worth (Assets - Liabilities) | ₹ 0 | - |
Ensure adequate coverage for life, health, and critical illness
Insurance provides financial protection for your family in case of unforeseen events. We analyze term life, health, and critical illness coverage to ensure your family's financial goals remain on track.
Protect your family's financial future with adequate term life, health, and critical illness coverage
| Insured | Nominee | Policy | Cover (₹) | Premium/Year (₹) | Required Cover (₹) | Action |
|---|
| Insured | Insurer | Cover (₹) | Premium/Year (₹) | Expiry | Action |
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| Vehicle | Registration | Insurer | Cover (₹) | Premium/Year (₹) | Expiry | Action |
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| Insured | Policy Type | Cover (₹) | Premium/Year (₹) | Action |
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Define your life goals and funding requirements
Financial goals represent your future cash flow needs - retirement corpus, children's education, weddings, major purchases, vacations, etc. We'll help you plan the funding strategy for each goal.
| Child | Goal | Year | Amount (₹) | SIP/mo (₹) | Lumpsum (₹) | Action |
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| Goal | Horizon | Type | Year | Amount (₹) | SIP/mo (₹) | Lumpsum (₹) | Action |
|---|
If you plan to take loans to fund specific goals (like home purchase), add them here with expected terms.
Calculate SIP or Lumpsum needed for each goal
Your personalized action items and next steps
You've completed all sessions. Below is your comprehensive financial plan summary with prioritized action items.
| Priority | Action Item | Category | Check-In Date |
|---|
Recommended: Review your financial plan every 3-6 months or when major life events occur.
Ask AI questions about your financial plan and get personalized insights based on your data.