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Basic Information
Current Age
Your current age in years. This determines your investment horizon and retirement timeline.
Target Retirement Age
The age at which you plan to retire. Typically 60-65 years. Earlier retirement requires more aggressive saving.
Income & Savings
Annual Salary (ā¹)
Your total annual income including bonuses and benefits. This is used to calculate insurance needs and savings capacity.
Monthly SIP Investment (ā¹)
Regular monthly investment in mutual funds/SIPs. Recommended: 20-30% of monthly income for long-term wealth building.
Annual SIP Step-up (%)
Yearly increase in SIP amount. Recommended: 10-15% to match salary increments and beat inflation.
Current SIP Portfolio (ā¹)
Total current value of your mutual fund/SIP investments. Check your portfolio statement or app.
Expenses & Liabilities
Monthly Living Expenses (ā¹)
Essential monthly expenses: rent, utilities, groceries, transport, etc. Exclude EMIs, investments, and discretionary spending. Ideally upload bank statements for accurate calculation.
Home Loan Outstanding (ā¹)
Remaining home loan principal. Check your latest loan statement. This affects your insurance needs and prepayment strategy. Enter 0 if no loan.
Home Loan Interest Rate (%)
Annual interest rate on your home loan. Check your loan agreement. Typical range: 8-9% for home loans in India. Leave at 8.5 if no loan.
Annual Loan Prepayment (ā¹)
SUGGESTED
Extra amount paid annually to reduce loan principal. Suggested: 3x your monthly EMI (ā¹2.4L based on typical ā¹80K EMI). Saves massive interest and achieves debt freedom faster. Enter 0 if not planning to prepay.
Assets & Emergency Fund
Bank Balance + Liquid Funds (ā¹)
Cash in savings accounts and liquid mutual funds. These are your immediately accessible funds for emergencies.
Emergency Fund Target (ā¹)
AUTO-CALCULATED
Recommended: 6 months of expenses + 1 year of EMIs. This is NOT just cash in bank - it's a strategic allocation across: (1) 40% in savings bank account for instant access, (2) 40% in liquid mutual funds (1-day withdrawal), (3) 20% in ultra-short debt funds (3-5 day withdrawal). This covers job loss, medical emergencies without disrupting long-term investments. Auto-calculated based on your inputs.
Direct Equity Holdings (ā¹)
Stocks you own directly (not through mutual funds). Check your demat account. Higher risk, higher potential returns. Enter 0 if none.
Real Estate Value (ā¹)
Current market value of investment properties (excluding primary residence). Use recent property rates in your area. Enter 0 if none.
Insurance
Current Life Insurance Cover (ā¹)
Total death benefit from all term insurance policies. Check policy documents. Does NOT include ULIP or endowment maturity value. Enter 0 if none.
Recommended Life Cover (ā¹)
AUTO-CALCULATED
Suggested coverage: 10x annual salary + outstanding loans. At 10% interest, this generates annual income to replace your salary + covers debts. Auto-calculated.
Annual Insurance Premium (ā¹)
YEARLY
Total yearly premium for all term insurance policies. For ā¹4.5Cr cover at age 34, expect ā¹30-40K/year. Check with insurers for exact quotes. Enter 0 if no insurance.
Life Goals
Children's Current Age
Age of your child(ren). For multiple children, use eldest child's age. Education costs are projected from current age to college. Enter 0 if no children.
Current Education Cost (ā¹/year)
What you're paying NOW for education (school fees, activities, etc.). Future costs are auto-projected with 8% education inflation. Enter 0 if not applicable.
Annual Holiday Budget (ā¹)
Your yearly vacation spending. We'll increase this faster than regular inflation (12% vs 6%) because lifestyle aspirations grow with wealth. Enter 0 if not planning vacations.
Investment Return Assumptions
SIP Expected Return (%)
SUGGESTED: 12%
Long-term equity mutual fund returns. Historical: 12-15%. Be conservative: use 12% for planning. Equities compound best over 15+ years.
Direct Equity Return (%)
SUGGESTED: 14%
Returns from individual stocks. Higher than mutual funds if you can pick good stocks. Use 14% for balanced portfolios, 16%+ if expert.
Real Estate Appreciation (%)
SUGGESTED: 8%
Property value growth. Historically 8-10% in good locations. Lower than equity but more stable. Exclude rental income.
Liquid/Debt Return (%)
SUGGESTED: 7%
Returns on emergency funds, debt funds, FDs. Typically 6-8%. Lower risk, lower returns. Good for safety bucket.
Expense Inflation (%)
SUGGESTED: 6%
How fast your living costs increase. India's long-term inflation: 6%. Your lifestyle may inflate faster. Be realistic.
Retirement Planning
Retirement Corpus Needed (ā¹)
AUTO-CALCULATED
Amount needed at retirement to sustain your lifestyle for 25 years. Based on projected expenses at age 60, accounting for inflation. Auto-calculated using 4% withdrawal rule.
Post-Retirement Return (%)
SUGGESTED: 8%
Conservative returns after retirement. Mix of debt (60%) and equity (40%). Typical: 8%. Need regular income with lower risk.
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