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Plan Your Money With Confidence

Your financial journey is personal. Whether you're mapping out your first salary, budgeting for a dream home, securing your child's education, or building a peaceful retirement, we provide simple, clear, and honest planning tools to help you make thoughtful choices at every stage of life.

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All numbers are for illustration purposes only and should not be treated as recommended values or financial advice.

What Are You Planning For?

Every money decision is really a life decision. Whether you are celebrating your first paycheck, dreaming of a place to call your own, protecting your children's education, or planning for a quiet, independent retirement, we help you map out the steps with care and clarity.

Starting Your Career

Build good money habits from your first salary.

Buying a Home

Understand EMIs, loan costs, and prepayment impact.

Child Education

Estimate future education costs and build a plan.

Child Education Planner SSY Calculator

Building Wealth

Create long-term wealth through disciplined investing.

Financial Goal Planner

Retirement

Plan for financial independence and peace of mind.

Retirement Calculator

More Than Just Calculators

We don't sell products or push loans. We build clear, honest toolkits to help you test different money scenarios and plan for the future at your own pace.

Goal-Based Planning

Start with a goal, not a formula. Our financial planning calculator approach structures parameters around what you actually want to achieve.

Simple Explanations

Understand what your results mean and what to do next without getting lost in mathematical jargon.

Built for Indian Investors

Designed around Indian financial products, schemes (NPS, PPF, SSY, EPF), and localized life goals.

Free and Transparent

Completely free planning platform with no paywalls, hidden commissions, registration fields, or sales pitches.

Featured Calculators

Explore interactive investment planning tools and templates to map out different scenarios for your savings, loans, and wealth goals.

SIP Calculator

Estimate the potential growth of your monthly investments over time with annual step-up projections.

PPF Calculator

Model tax-free compounding interest and maturity values for Public Provident Fund accounts.

EMI Calculator

Estimate monthly home loan EMIs, loan amortization schedules, and extra prepayment interest savings.

NPS Calculator

Estimate your accumulated retirement corpus and potential annuity payouts in National Pension Scheme.

SWP Calculator

Estimate systematic withdrawals from a lump sum to plan consistent regular income streams.

EPF Calculator

Calculate future employee provident fund balances using employer and employee contribution details.

Financial Health Check

Run a comprehensive money checkup to calculate emergency cash runway, saving rates, and EMI ratios.

Learn Before You Invest

Simple, practical guides that break down the math and strategy behind your money choices—without the confusing jargon.

6 min read

First Salary, Lasting Habits

Practical personal finance strategies for young professionals starting their careers in India.

Read Guide →

8 min read

Child Education Planning

The Cost of Dreams: How to balance parental aspirations with realistic inflation projections and savings.

Read Guide →

10 min read

Retirement Planning Guide

A comprehensive roadmap to building inflation-adjusted wealth for financial independence.

Read Guide →

7 min read

RD vs PPF: Why 7% Is Not Always 7%

Understand how tax brackets, compounding logic, and time periods change actual investment results.

Read Guide →

Built for Thoughtful Financial Decisions

No paywalls, no signup forms, and no sales pitches. Just clean tools built to help you run numbers, compare scenarios, and make informed money plans.

20+ Financial Planning Tools

Comprehensive calculators spanning deposits, loan schedules, retirement plans, and benefits.

Goal-Based Planning Approach

Helping you analyze milestones such as buying a home or child education first, rather than just raw formulas.

Educational Content & Examples

Every tool is paired with transparent formulas, real-world examples, and checklists of common planning traps.

Long-Term Financial Wellness

Unbiased calculators focused strictly on data metrics without pushing mutual funds, insurance policies, or loans.

Every Financial Goal Starts With A Plan

Whether you're saving for your first investment, your child's future, or your retirement, start with a clear roadmap.

Start Planning Today

Unified view

Financial Health Check

Understand your complete financial picture in one view

Financial health score Your score will appear here Enter your details to generate an educational financial health view.

Income vs expenses 50% expense load

Savings runway 0 months

Savings rate 0%

EMI-to-income ratio 0%

Emergency fund coverage 0 months

Investment rate 0%

Breakdown and suggestions

Enter your details and calculate to see a simple educational health check.

Area	Result	Observation
Your breakdown will appear here after calculation.

Health score method

The score combines cash flow, EMI pressure, emergency fund coverage, investment rate, existing savings, retirement savings, and insurance coverage.

Cash flow Savings rate and EMI-to-income ratio are estimated from monthly income, expenses, and EMI.

Safety buffer Emergency fund coverage is estimated as months of expenses and EMI covered.

Long term Investment rate, current investments, retirement savings, and insurance coverage add context.

Disclaimer: This health score is an indicative planning view only. It is not a credit score, investment recommendation, or financial advice.

Investment planner

SIP Calculator

See how a steady monthly investment may build wealth over time and compare your invested amount with estimated gains.

SIP maturity value Rs. 0

Total amount invested Rs. 0

Estimated wealth gained Rs. 0

Total step-up increase Rs. 0

Scenario comparison

Compare SIP options

Test two SIP plans side by side and quickly spot the option with the highest estimated maturity value.

Scenario	Monthly SIP	Return	Years	Step-up	Total investment	Estimated value	Estimated gains
Add scenarios and compare to see the outcome.

Year-wise growth

Follow the yearly path from total investment to expected value.

Year	Total investment	Estimated value	Estimated gains
Enter your SIP details and calculate to see the projection.

SIP formula used

Future Value = P x [((1 + r)ⁿ - 1) / r] x (1 + r)

P Monthly SIP amount

r Monthly return rate, annual return divided by 12

n Total number of monthly investments

Disclaimer: This SIP calculator provides an estimate only. Actual mutual fund returns can vary due to market movement, expenses, taxes, exit loads, and timing of investments.

Investment planner

Lumpsum Calculator

Understand how a one-time investment may compound over time, based on your chosen duration and expected return.

Estimated maturity amount Rs. 0

Total investment Rs. 0

Estimated gains Rs. 0

Lumpsum year-wise growth

See the estimated yearly path of your lump sum investment.

Year	Investment	Estimated value	Estimated gains
Enter your lumpsum details and calculate to see the projection.

Lumpsum formula used

Future Value = P x (1 + r)ⁿ

P One-time investment amount

r Expected annual return rate

n Investment duration in years

Disclaimer: This is only an estimate. Actual returns can vary due to market movement, expenses, taxation, and investment product terms.

Deposit planner

RD Calculator

Plan a recurring deposit and see how disciplined monthly savings may grow into a future maturity value.

Estimated maturity amount Rs. 0

Total deposits Rs. 0

Estimated interest Rs. 0

RD year-wise growth

Track yearly deposits, estimated value, and interest earned.

Year	Total deposits	Estimated value	Estimated interest
Enter your RD details and calculate to see the projection.

RD formula used

Future Value = P x [((1 + r)ⁿ - 1) / r] x (1 + r)

P Monthly deposit amount

r Monthly interest rate, annual rate divided by 12

n Total number of monthly deposits

Disclaimer: This RD calculator uses monthly compounding for simplicity. Bank RD calculators may use quarterly compounding or product-specific rules, so final values can differ.

Loan planner

Loan EMI Calculator

Estimate your EMI, total interest, payoff timeline, and how extra payments may help reduce debt faster.

Monthly EMI Rs. 0

Original payoff 0 months

Payoff with prepayment 0 months

Total interest Rs. 0

Interest saved Rs. 0

Payoff summary

Compare your loan path with and without extra monthly prepayments.

Scenario	Monthly payment	Payoff time	Total paid	Total interest
Enter your loan details and calculate to see the payoff summary.

EMI formula used

EMI = P x r x (1 + r)ⁿ / ((1 + r)ⁿ - 1)

P Loan principal or outstanding loan amount

r Monthly interest rate, annual rate divided by 12

n Total number of monthly EMI payments

Disclaimer: This is an estimate. Actual loan payoff can change due to fees, rate resets, prepayment rules, penalties, insurance, and lender-specific amortization.

Loan schedule

Loan Amortisation Calculator

See how each monthly payment is split between interest and principal, and how your outstanding balance reduces over time.

Monthly EMI Rs. 0

Total interest Rs. 0

Total payment Rs. 0

Monthly amortisation schedule

Review month-by-month EMI breakup, including interest, principal, and remaining balance.

Month	Opening balance	EMI	Principal	Interest	Closing balance
Enter loan details and calculate to see the monthly schedule.

How amortisation works

Each EMI first covers monthly interest. The remaining amount reduces your principal balance.

Interest Opening balance multiplied by the monthly interest rate

Principal EMI minus the interest portion for that month

Balance Opening balance minus principal repaid

Disclaimer: This schedule is a simplified estimate. Actual loan statements can differ due to fees, rate changes, prepayments, penalties, and lender-specific rules.

Retirement planner

NPS Calculator

Estimate your NPS retirement corpus using your existing balance, monthly contributions, and expected return.

Estimated NPS corpus Rs. 0

Total contribution Rs. 0

Estimated gains Rs. 0

NPS year-wise growth

See how your current balance and future contributions may grow together.

Year	Total contribution	Estimated corpus	Estimated gains
Enter your NPS details and calculate to see the projection.

NPS formula used

Projected Corpus = Existing balance compounded monthly + future monthly contributions compounded monthly

Balance Existing NPS corpus entered by the user

Contribution Monthly NPS amount added during the planning period

Return Expected annual return converted to a monthly rate

Disclaimer: This is only an estimate. Actual NPS returns depend on asset allocation, fund performance, charges, taxation, annuity rules, and withdrawal regulations.

Salary savings planner

EPF Calculator

Estimate your EPF balance from current savings, employee contribution, employer contribution, and interest rate.

Estimated EPF balance Rs. 0

Total contribution Rs. 0

Estimated interest Rs. 0

EPF year-wise growth

Review yearly growth from your existing balance and monthly provident fund contributions.

Year	Total contribution	Estimated balance	Estimated interest
Enter your EPF details and calculate to see the projection.

EPF formula used

Projected Balance = Existing balance compounded monthly + employee and employer monthly contributions

Balance Existing EPF balance entered by the user

Contribution Employee and employer monthly contributions combined

Interest Annual EPF interest rate converted to a monthly rate

Disclaimer: This is a simplified estimate. Actual EPF can differ due to annual interest crediting, EPS split, wage limits, rule changes, withdrawals, and employer contribution structure.

Withdrawal planner

SWP Calculator

Estimate how long an investment corpus may support regular monthly withdrawals.

Estimated balance after duration Rs. 0

Total withdrawals Rs. 0

Corpus lasts for 0 months

Year-wise SWP view

Track withdrawals and remaining corpus across each year.

Year	Total withdrawals	Estimated balance
Enter your SWP details and calculate to see the projection.

SWP method used

Monthly return is added to the remaining corpus, then the monthly withdrawal is deducted.

Disclaimer: SWP values are estimates. Actual investment returns, taxes, and fund rules can vary.

Savings planner

PPF Calculator

Estimate Public Provident Fund maturity value from yearly contributions and interest rate.

Estimated PPF maturity Rs. 0

Total contribution Rs. 0

Estimated interest Rs. 0

PPF year-wise growth

Review annual contribution, interest, and estimated balance.

Year	Total contribution	Estimated balance	Estimated interest
Enter your PPF details and calculate to see the projection.

PPF method used

Yearly contribution is added and compounded annually at the entered interest rate.

Disclaimer: PPF rules, limits, and interest rates can change. This is a simplified estimate.

Important planning note

Calculations are estimates for educational purposes only. Actual returns, interest rates, and tax rules may vary. Please consult a qualified financial advisor before making major financial decisions.

Financial Health Check

Monthly cash flow

Savings and investments

Protection

Breakdown and suggestions

Health score method

SIP Calculator

Compare SIP options

Growth chart

Year-wise growth

SIP formula used

What is a SIP?

Lumpsum Calculator

Lumpsum year-wise growth

Lumpsum formula used

RD Calculator

RD year-wise growth

RD formula used

Loan EMI Calculator

Payoff summary

EMI formula used

How prepayment affects loan payoff

Loan Amortisation Calculator

Monthly amortisation schedule

How amortisation works

NPS Calculator

NPS year-wise growth

NPS formula used

EPF Calculator

EPF year-wise growth

EPF formula used

SWP Calculator

Year-wise SWP view

SWP method used

PPF Calculator

PPF year-wise growth

PPF method used

Home Loan Prepayment Calculator

Prepayment method used

Gratuity Calculator

Gratuity formula used

All CalcToPlan financial tools

Important planning note