50% of income for needs (rent, utilities, groceries), 30% for wants (entertainment, dining), 20% for savings and debt repayment. The dashboard highlights if your allocation deviates from this rule.

Financial planners recommend 3‑6 months of essential expenses. We use 6 months as the target. For example, if your monthly expenses are ₹50,000, aim for ₹3,00,000 in emergency savings.

Ideally under 30%. If you earn ₹60,000 per month, rent should be below ₹18,000. The dashboard doesn’t enforce this, but you can check yours.

We compare your current emergency fund balance to the target (6 months expenses). The progress percentage and months to goal update in real time based on your monthly savings.

Build a basic emergency fund (3‑6 months expenses) first, then invest. The dashboard helps you track both simultaneously.

We estimate future education costs using 12% annual return on current savings and calculate the monthly SIP needed to reach the goal by age 18. The formula accounts for compounding.

Housing (rent/EMI) should ideally be under 30‑35% of monthly income. The insight box will alert you if it exceeds this range.

A common rule is 10‑15 times your annual income. For a family with young children, also consider future education costs. The dashboard focuses on savings, not insurance – but this is a good guideline.

A single health insurance policy that covers the entire family (spouse, children, sometimes parents) with a shared sum insured. It’s usually more economical than individual plans.

Estimate future costs considering 8‑10% inflation. For a goal 15 years away, start early with equity investments. The dashboard helps you set a target and calculates the required SIP.

We take your current corpus and grow it at the expected annual return for the remaining years. Monthly investments are added using the future value of an annuity formula. The line chart shows growth year by year.

A common rule is 25‑30 times your annual expenses. For example, if you need ₹10 lakh per year in retirement, aim for ₹2.5‑3 crore. The dashboard lets you set your own target.

The 4% rule suggests you can withdraw 4% of your retirement corpus in the first year, adjusted for inflation, and have a high probability of the money lasting 30 years. It’s a guideline, not a guarantee.

As you approach retirement, you typically reduce equity exposure and increase debt/fixed income to protect capital. A common rule is “100 minus your age” as the percentage in equities.

EPF is employer‑sponsored with guaranteed returns (~8.15%). NPS is market‑linked with equity/debt options and additional tax benefits under 80CCD(1B). Both are included in the dashboard.

We multiply your total corpus by the withdrawal rate (default 4%) and divide by 12. This gives a conservative monthly amount you can withdraw without depleting the corpus too quickly.

Many advisors suggest 3‑4% for Indian retirees, considering inflation and market volatility. The dashboard lets you adjust from 3% to 8% to see the impact.

We calculate this based on your corpus, monthly expenses, expected investment return, and inflation. The formula accounts for the real rate of return (investment return minus inflation).

We project your current monthly expense 10 years into the future using the inflation rate you set. For example, at 6% inflation, ₹60,000 today becomes about ₹1,07,000 in 10 years.

Both have merits. A lump sum gives flexibility; an annuity provides guaranteed lifetime income. The dashboard helps you analyse the sustainability of your corpus if you manage it yourself.