Family Life Stage.
Save smarter for your child’s future.
Adjust your household income, monthly expenses, and education SIP – see your savings rate and projected education fund instantly. Real‑time insights for Indian families. 100% private, no data stored.
Our family story: Anjali & Vikas
Real‑time family finances · Pune, IndiaHi, we’re Anjali (35, HR manager) and Vikas (40, architect) from Pune with our daughter Myra (7). We’re saving for her higher education and balancing our other goals.
Right now, our combined income is —. After expenses of —, we invest — in SIPs (— for education). That gives a savings rate of —.
We use the sliders to model different scenarios – increasing education SIP, reducing discretionary expenses, or building our emergency fund faster. The Family Life Stage helps us stay on track for our child’s future. We also track our actual income in the Income Wallet and investments in the Investment Wallet.
- Savings rate: Aim ≥30%. Yours is 0%.
- 🎓 Education SIP: Target at least 10% of income. Your contribution is 0%.
- 💰 Emergency fund: Keep 6× monthly expenses = ₹0.
- 📉 SIP-to-income ratio: Total SIPs = 0% of income – healthy.
- 📊 Disposable surplus: After SIPs, you have ₹0.
- 🏦 Child’s education corpus: Your current SIP at 10% could grow to ~₹0L in 15 years.
- 👶 Tax benefits: Consider Sukanya Samriddhi (girl child) or PPF alongside SIPs.
- 🔒 Insurance: Ensure term life cover = 10‑15× annual income.
- 📈 Review regularly: Increase SIPs by 10% every year to beat inflation.
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