Your money, understood
Build a financial plan around your real life.
Answer a few guided questions about income, spending, debt, savings and goals. We’ll turn your answers into a practical educational action plan—one step at a time.
Most financial calculators look at one number in isolation — a SIP target here, a loan EMI there — with nothing to stop those separate numbers from quietly adding up to more than you actually earn. This personal finance planner works differently. Your income, living costs, insurance premiums, debt and goals all sit inside one connected picture, so every rupee is accounted for once, not several times over.
That is also why insurance premiums are treated as a committed expense here, alongside rent and groceries, rather than folded into your investments — a monthly premium is money that has already left your hands, whatever it is protecting. Everything below runs in your browser; nothing you enter is saved or sent anywhere.
Step 1 of 6 · Your situation
First, tell us a little about your life.
These details help put the numbers in context. Use the sample answers as a guide and change anything that does not fit you.
Used only to frame your planning timeline.
Choose the option closest to your current situation.
Enter 0 if nobody depends on your income.
This tells the report what matters most to you. It does not override urgent cash-flow or debt concerns.
Step 2 of 6 · Money coming in and going out
What does a typical month look like?
Enter take-home income after tax. Enter ordinary living costs here, but keep debt payments and investment contributions for the next sections so they are counted only once.
For variable income, use a conservative monthly average.
Include reliable side income, not uncertain investment returns.
Monthly living expenses
Fictional example amounts are provided. Edit every field that applies.
Enter your monthly equivalent. If you pay annually, divide the premium by 12. Do not repeat it in other expenses.
Enter your personal and family health-policy premiums as a monthly equivalent. Do not repeat them in other expenses.
Personal spending, subscriptions, clothing, etc.
Step 3 of 6 · Debt and repayments
What do you currently owe?
Debt balances show how much is outstanding; monthly payments show how much leaves your cash flow. If you have no debt, set the values to ₹0.
Credit cards and high-cost borrowing
Sample values are illustrative. Use your statement balance if you carry a balance.
Enter the monthly EMI/payment amount you plan to pay toward the card balance.
Check your card terms. If unknown, leave the example but verify it later.
Loans and other instalments
Add every loan separately so balances, EMIs and interest rates are totalled together.
Use the lender's stated rate, or a rough average if unknown.
Step 4 of 6 · Reserves, assets and protection
What have you built up so far?
Separate easily accessible cash from long-term investments. This helps the planner estimate your emergency-fund readiness without counting the same money twice.
Savings and investments
Use today's approximate values, not future returns.
Physical cash you currently hold. Do not add it again as a separate emergency fund.
This is an earmarked portion of cash/bank savings, not an extra asset to add again.
Bank accounts
Enter each account once, including salary and savings accounts.
Investments and other assets
Use current approximate values. Select Yes to show the value field for fixed deposits, gold or silver.
Current NPS account value, if applicable.
Enter today's approximate market value.
Include regular savings and investment contributions. The retirement model uses the non-emergency portion of this amount for projection.
This is part of your monthly contributions above, not an extra payment. It is excluded from long-term investment projections.
Financial protection checklist
These answers identify topics to review, not a personalised insurance recommendation.
Step 5 of 6 · Your priorities
What are you working towards?
Choose one goal to model first. You can change the sample target and timeline. The estimate assumes equal monthly contributions and no investment returns, so it is a planning baseline—not a guarantee.
If this is your emergency fund, enter your emergency savings here too. The report won't add it to total assets a second time.
Example: 24 means two years.
This is an educational reflection, not a regulated risk-profiling assessment or portfolio recommendation.
Retirement planning and assumptions
Change the examples to build an illustration for your circumstances. All rates are assumptions, not forecasts.
The years left to retirement are estimated from your age in Step 1.
Choose a long enough period for your planning assumptions.
Start from the lifestyle you may want in retirement, expressed in today's prices.
Optional. Include only income you reasonably expect to be dependable. The estimate assumes it keeps pace with inflation.
Used to estimate how today's expenses may rise by retirement.
Used only to illustrate growth before retirement; actual returns vary.
Used with inflation and years in retirement to estimate a spending corpus.
This amount must be a subset of the FDs, stocks and mutual funds you already entered. It is only used to calculate the retirement starting balance and is not added to assets a second time.
Step 6 of 6 · Review and confirm
Review your financial snapshot.
Check the totals before we create your action plan. Sample amounts can remain only if you have deliberately confirmed that they match your situation. You can go back to edit any answer.
Your plan is an educational estimate based on the information shown above. It is not a substitute for advice from a qualified financial, tax, insurance or legal professional.
Your personal finance snapshot
Your next steps, made clearer.
This report uses your confirmed answers and simple transparent rules. It does not select investments or promise returns.
Monthly cash flow
Emergency reserve
Your main goal
Debt overview
Your prioritised action plan
Start with the earliest action you can realistically complete.
Protection and housekeeping checklist
Retirement expense and corpus estimate
Estimate future spending, the retirement funding target and the monthly amount implied by your assumptions.
Retirement funding gap
Existing retirement assets
Do your goals fit your monthly cash flow?
This combines the goal contribution target, the extra monthly amount implied by the retirement projection, and a simple emergency-fund catch-up pace. It flags when these asks compete for the same available money.
Projected retirement-oriented investments over time
Nominal values under your stated return and monthly-contribution assumptions.
Retirement target compared with projection
This compares your estimated target with the projected balance at your planned retirement age.
Your monthly savings & investment contribution
This section repeats the amount you entered in Step 4, “Savings and investments.” It does not generate portfolio allocations or recommend how to divide your money among products.
Your stated monthly contribution is already deducted in the cash-flow calculation. The emergency-fund contribution is treated as part of that amount, not an extra contribution. Explore the educational links below to learn about investment types before making decisions.
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Stock Charcha learning library
Explore relevant guides and calculators. Links are embedded in this report and are intended to remain clickable when you use your browser's Print → Save as PDF function.
Start here
Short frameworks for budgeting, saving and investing.
Explore more financial calculation tools.
Browse educational articles and guides.
Explore learning hubs by subject.
Budgeting, saving and financial protection
A flexible “pay yourself first” budgeting approach.
Think through a starting point for accessible reserves.
A rule of thumb for reviewing debt commitments.
A starting point for learning about income protection; not a personalised cover calculation.
Retirement, compounding and inflation
Explore one common retirement-corpus rule of thumb.
Learn the assumptions and limitations behind withdrawal rules.
Compare returns with inflation.
A rough shortcut for understanding compound growth.
See how increasing contributions may affect a projection.
An illustrative compounding example—not a promised return.
Investing basics, mutual funds and ETFs
Model regular monthly contributions with a chosen return assumption.
Compare two contribution patterns with stated assumptions.
Explore how costs may affect long-term values.
Understand categories and the differences in their risks.
Learn how these investment structures differ.
Understand the basics of exchange-traded funds.
A historical rule of thumb to critique, not a portfolio formula.
Continue learning about investing concepts.
Explore fund education and terminology.
Begin with the foundational concepts.
Learn how ETF and index approaches work.
Read general educational material on tax topics.
How this personal finance planner thinks about your money
Each section below explains a rule this personal finance planner is quietly following in the background. None of it requires you to go back through the questionnaire — it's here so the numbers you see make sense, and so you can judge for yourself whether the assumptions fit your situation.
Income minus commitments, in order
The personal finance planner starts with your take-home income, then subtracts living costs, insurance premiums and debt payments before it ever looks at savings or goals — a sequencing close to what Stock Charcha's 80:20 pay-yourself-first approach describes. What's left after that — not your income itself — is the only amount the rest of the plan can draw on. If a goal, a retirement contribution and an emergency-fund top-up all claim money at once, the combined check further down the report adds them up and tells you plainly whether they actually fit.
Why your insurance premium counts as an expense, not an investment
A term or health insurance premium leaves your account whether markets go up or down — it behaves exactly like rent or a phone bill, not like a SIP that builds value over time. Counting it as an investment would make your available surplus look larger than it really is. Keeping it in expenses keeps the rest of the plan honest; our income-protection rule of thumb is a reasonable next read if you're sizing term cover, and IRDAI, India's insurance regulator, is the authoritative source on policy rules and your rights as a policyholder.
An emergency fund target is a starting point, not a rule written for you
The six-month figure used in this report is a common, widely taught guideline — see Stock Charcha's 3–6 month emergency fund rule for the reasoning — not a number calculated from your job security, dependants or existing cover. Someone with a stable salary and no dependants may be comfortable with less; someone with irregular income may want more. Treat the target as a reasonable default to adjust, not a verdict.
Debt comes before new investing, not after
If you're carrying a high-interest credit-card balance, the interest you're paying on it is very likely higher than any return you could reasonably expect from investing the same money. That's why the plan flags expensive or overdue debt as an early priority rather than suggesting you invest around it — our EMI-to-income rule is a useful check on how much debt is comfortable to carry in the first place.
Goals, SIPs and retirement figures are illustrations, not predictions
Every projection in this report depends on the return and inflation assumptions you entered — the same mechanics explained in our SIP calculator and Rule of 72 guides. Change the assumed return by even a couple of percentage points and the projected outcome can shift substantially over a long horizon. Use these numbers to compare scenarios and sanity-check a plan — not as a promise of what you'll actually end up with.
Frequently asked questions
Is this personalised investment advice?
No. This personal finance planner is a general educational tool, not a SEBI-registered investment adviser service. It does not recommend specific stocks, mutual funds, ETFs or insurance products, and it does not generate a personal portfolio allocation. You can verify whether an adviser is genuinely SEBI-registered on SEBI's official website before taking financial advice from anyone.
Where does my data go when I fill in the form?
Nowhere outside your browser. The planner is not designed to send your financial details to Stock Charcha's servers or save them in browser storage — closing or refreshing the page clears everything you entered.
Why are insurance premiums asked for separately from healthcare expenses?
Healthcare & medicines covers what you actually spend on medical care; insurance premiums cover what you pay to be protected against larger costs later. They're different commitments, so the planner keeps them in separate fields to avoid double-counting or under-counting either one.
How was the emergency-fund target chosen?
It's set at six months of your entered living expenses, a common reference point in financial planning rather than a figure calculated specifically for you. You can treat it as a starting point and adjust your own target based on job stability, dependants and existing insurance cover.
What should I do if my goals don't fit my budget?
That's exactly what the combined cash-flow check is for. Rather than assuming higher returns will close the gap, consider adjusting the goal's timeline or target amount, or revisiting discretionary spending and debt payments — Stock Charcha's Finance Rules hub has several short frameworks worth comparing against your own numbers.
Can I save or share my results?
Yes — use the "Print / Save PDF" option on the results screen to keep a copy. Since nothing is stored on Stock Charcha's side, this is also the only way to hold on to your plan after you close the page.