Financial planning for Indian families
Know where your money goes. Then tell it where to go.
A financial plan answers three things: what comes in, what goes out, and whether you are on track for the goals that matter. Fix Your Rupee helps you build that plan in plain language, step by step, for free.
How a financial plan comes together
The planner follows the same five steps a financial planner would. Each step takes a few minutes and builds on the one before.
- 1IncomeWhat comes in each month, and how fast it is likely to grow.
- 2ExpensesEvery cost of running your life, including yearly and occasional ones.
- 3InvestmentsWhat you already own, from mutual funds to gold and PPF.
- 4ProjectionWhere income, expenses and savings are heading with inflation.
- 5GoalsThe monthly SIP each goal needs, set against what you can save.
Why planning beats guessing
Three things quietly decide how your money does over the years.
Costs keep rising
At 6% inflation, a household that spends ₹1 lakh a month today needs about ₹1.8 lakh a month in 10 years for the same life.
See your own projectionWaiting has a price
Starting a ₹10,000 SIP just 6 months late, at 12% for 20 years, leaves you with this much less at the end.
Try the cost-of-delay toolGoals need a number
"Save for my child's education" turns into a monthly amount once you add the years and inflation. Then you can act on it.
Work out your goalsFree tools, built for India
Use the money planner for the full picture, or a single calculator for a quick answer. Everything runs in your browser and stays on your device.
Money planner
Income, expenses, investments, projection and goals in five steps.
Open the planner →SIP calculator
See what a monthly SIP grows into, with a yearly step-up.
Open →Goal planner
The SIP needed for one goal, after inflation.
Open →Cost of delay
What a few months of waiting costs you at the end.
Open →Want us to look at your plan on camera?
We feature real families in our YouTube videos and walk through their numbers together, with their approval at every step. If you would like to be one of them, tell us a little about yourself.