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Build your money roadmap

Tell us your goal and your starting point, and see a clear plan: whether you are on track, the gap if there is one, and roughly how much to invest each month, with the good, likely and bad case all in view. This is education, not financial advice.

Now
On this plan you reach
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Gap to your target
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To hit it, invest about
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Range of outcomes (illustrative, not a forecast):
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Bad case
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Likely
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Good case
Ask Dia about my plan
Change my plan

Educational guidance only, not financial advice. This is a general model based on the pace you chose, using illustrative long-run reference returns. It is not a personalised recommendation, and it does not suggest any specific product. Real returns vary every year and can be negative. Consider a licensed advisor for decisions about your situation.

Questions

Good to know

Financial planning for beginners in India

Choose INR and the whole plan runs in rupees. If you are starting out and not sure what a realistic plan looks like, here is the shape of one, written out rather than hidden inside the tool.

Planning works backwards from a goal, not forwards from a salary. Decide the amount and the year, then the plan tells you the monthly figure that gets you there. As an illustration, someone targeting ₹1 crore in twenty years, starting from zero, would need to invest about ₹19,700 a month on the planner's balanced setting of 7 percent a year, or about ₹14,800 a month on its growth setting of 9.5 percent. Give the same goal twenty five years instead and the balanced figure falls to about ₹12,800, which is the clearest demonstration there is that time is cheaper than money.

Three levers move the answer, and only three: how much you put in, how long you leave it, and the return you assume. The first two are yours to control. The third is not, so treat any single projected number as the middle of a range rather than a promise, and revisit the plan once a year.

How do I start financial planning as a beginner in India?
Work backwards from a goal rather than forwards from your salary. Pick the amount and the year, set the currency to INR, and the planner returns the monthly figure that reaches it. As an illustration, ₹1 crore in twenty years from a standing start needs about ₹19,700 a month on the balanced 7 percent setting, or about ₹12,800 a month if you allow twenty five years. Before investing towards any goal, keep a few months of expenses as a cushion and clear high interest debt. Educational only, not financial advice.
How does it work out the monthly amount?
It uses the same compound-growth maths as a savings projection: your starting amount and monthly investing, grown at the pace you choose, compared to your target. Then it solves for the monthly amount that would reach the target.
Is this advice?
No. It is an educational model. It shows how the numbers behave for a general approach you select, never a personalised recommendation to buy anything.
Not sure of my target?
For financial freedom or retirement, a common rule of thumb is about 25 times your yearly spending. For a home, use the deposit you are aiming for.

Planning around financial independence specifically? Our guide to financial freedom breaks down what the number really means.