Plan for education · Manage expenses · Balance goals

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.

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✔ 100% Free ✔ No Data Stored ✔ India-First ⚡ Takes under 30 seconds 🔒 Data stays in your browser
₹1,50,000
💰 Income
₹90,000
📉 Expenses
₹15,000
🎓 Edu SIP
40%
📊 Savings Rate
Interactive

Family Financial Planning

Adjust household income, expenses, and education SIP – see your savings rate and projected corpus update live.

🎛️
Your Family FinancesSlide to adjust
Move sliders to see personalised feedback.
📊
Monthly Allocation
Income vs Expenses vs Total SIPs
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Our family story: Anjali & Vikas
✅
Best practices for family finances
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    Frequently asked questions

    child education planSIP for kidsfamily budgetemergency fundeducation loan vs SIP
    👥 Family Finances
    INDwallet lets you experiment with the Education SIP slider. A common rule: estimate future cost (say ₹20L for an Indian engineering degree) and use an 8% return to find the monthly SIP needed. The insight box shows a projected corpus based on your SIP.
    Many advisors suggest splitting surplus between both. Use the Education SIP slider to see impact on your savings rate. Later, the Pre‑Retirement stage helps model retirement corpus separately.
    Use the combined income slider and expense slider. The chart shows total income vs expenses. For detailed expense tracking, pair this with the Expenses Wallet.
    📊 Saving & Investing
    Options include Sukanya Samriddhi (for girl child), PPF, ELSS, and dedicated child plans. INDwallet’s SIP slider lets you simulate any of these. The insight box projects a future value at 8% return.
    INDwallet does it for you: (Income – Expenses) / Income × 100%. The summary card updates live. Aim for at least 20‑30%.
    Simulate: a higher SIP reduces future loan burden. For a full comparison, combine with the Wealth Wallet.
    🔐 Privacy & Next Steps
    100%. All calculations run in your browser. No servers, no tracking, zero data leaves your device. Read our Privacy Policy.
    Review monthly. Adjust sliders as income or expenses change. Revisit your savings rate every quarter. Combine with the Income Wallet to track actual earnings.
    Aim for 6 months of essential expenses. Use the Emergency Fund Calculator to see your exact target and track progress in the Wealth Wallet.

    Secure your child’s future.
    Start planning today.

    Use the Income Wallet to track earnings, Expenses Wallet to manage outflows, and Investment Wallet to build education corpus.

    💰 Open Income Wallet 🎯 Next: Pre-Retirement →
    ✔ No signup required • Works instantly ✔ Takes under 30 seconds 🔒 Data never leaves your browser
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