Goal-led financial planning
What are you saving for?
Most personal-finance content is product-led ("best mutual fund"), which forces you to know what you need before you know what you need. We start with the goal — then route you to the right products, calculators, and articles for that specific Indian-context plan.
- Retirement
Retire by 60 — comfortably
₹5 Cr by 60 sounds like a lot. With ₹15K/month SIP starting at age 30 and 12% equity returns, it's not. The retirement goal is the highest-leverage financial decision you'll make — and the easiest one to defer. This hub gives you the calculators, products and articles to start (or fix) it today.
- FIRE
FIRE — Financial Independence, Retire Early
FIRE means: 25× annual expenses → financial independence. ₹6L/year expenses = ₹1.5 Cr corpus. Realistic in 12-15 years on a ₹15L salary if you save 50%+. This hub gives you the math, the products, and the asset allocation to actually get there.
- For their future
Child education — affording it in 2030+
Engineering degree in 2026: ₹15L. In 2042 (when your 2-year-old is 18): ₹40L+ at 7% education inflation. Foreign MS: ₹80L+. SSY + balanced equity SIPs from year 1 of birth solves it. Wait until kid is 10 and you'll need 5× more contribution.
- Down payment + EMI
Your first home — a real plan
₹50L home in a Tier-1 city = ₹10L down payment + ₹3.5L registration + ₹40K/month EMI for 20 years. RERA-registered builder + balanced loan vs SIP decision + tax benefits (80C principal + 24b interest = ₹3.5L/yr). The full path — not just the EMI math.
- Safety first
Build your emergency fund — 6 months in 12 weeks
Emergency fund = 6 months of expenses, in liquid + safe instruments. ₹50K monthly expense = ₹3L target. With a ₹25K SIP into a liquid fund, you hit it in 12 weeks. Without it, one job loss or medical emergency derails years of investing. This is the FIRST thing every Indian should build.
Not sure which goal?