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Planning tools

One workspace.
Every planning view.

Nine tools - planners, risk scorecards, and cost models - all free, all educational. Outputs are reference values, not investment advice.

Planners
Risk & Portfolio
Cost & Efficiency
Mortgage Calculator
Calculate your home loan EMI and see a year-by-year repayment schedule with the interest you'll pay.
~1 min
Cost of Delay

Every year you wait
compounds against you.

Model the exact rupee cost of delaying your investment start by 1, 3, or 5 years. Understand what your corpus loses - not as a percentage, but as a number you can feel.

1 minModeled gap outputLoad example
Output is a reference model. Not a guarantee of future outcomes.
Cost of DelayModeled gap
Impact of delaying investment by 5 years
Start today
₹1.84Cr
20-yr corpus
Start in 5 yrs
₹1.10Cr
15-yr corpus
Corpus lost to delay−₹74 Lakhs
Delay starts
Goal Planner

Name your goal.
Find your SIP.

Tell the planner what you want - a home, education corpus, retirement - and your timeline. It works backward to the exact monthly SIP you need at a given expected return.

3 minMonthly SIP output6 goal types
Output is a reference model. Not personalized financial advice.
Goal PlannerMonthly SIP
Child's education · 12-year horizon
Target corpus
₹40,00,000
Expected return
12% p.a.
Required monthly SIP
₹12,840
Over 12 years · 12% modeled return
Total invested
₹18.5L
Returns modeled
₹21.5L
Invested
₹18.5L
Returns
₹21.5L
Portfolio X-Ray

See what's hiding
inside your funds.

Mutual funds often hold the same underlying stocks. Portfolio X-Ray maps your overlap across holdings - so you can see if you're genuinely diversified or just paying for the same exposure twice.

3 minOverlap scoreCategory breakdown
Output is a reference model. Not personalized financial advice.
Portfolio X-RayMix view
Holding overlap analysis
Mirae Asset Large Cap62% overlap
Axis Bluechip Fund58% overlap
Parag Parikh Flexi Cap31% overlap
SBI Small Cap8% overlap
Kotak Midcap11% overlap
Overall portfolio concentration riskModerate-High
Retirement Income Planner

Model your retirement
month by month.

Start with your corpus and monthly withdrawal need. The planner runs a sustainable withdrawal model - accounting for return, inflation step-up, and horizon - to show how long your money lasts.

3 minIncome path outputSWP-style model
Educational SWP-style model. Does not account for taxes or sequence risk.
Retirement Income PlannerIncome path
₹1.2Cr corpus · ₹1,20,000/mo · 25yr
Monthly income
₹1.20L
Ending corpus
₹4.00Cr
Lasts until
Age 95+
Starting withdrawal₹1,20,000
Reference income (inflation adj.)₹1,46,644
Safe withdrawal rate10% p.a.
Tax Saving Planner

See your 80C room
before March rush.

Map how much Section 80C room you have left, the ELSS SIP that fills it, and the estimated tax saved - in two minutes. Model before you commit, not after.

2 min80C room outputELSS SIP model
Reference model only. Consult a tax advisor for personalized guidance.
Tax Saving Planner80C room
Annual income ₹18L · Existing 80C ₹60,000
₹90K80C left
₹7,500
Monthly ELSS SIP needed
₹28,080
Estimated tax saved
Used
₹60,000
Remaining
₹90,000
Direct vs Regular

The 1% difference
that compounds for decades.

A small expense ratio difference between direct and regular plans compounds into a significant corpus gap over 15-20 years. See the exact rupee difference for your SIP amount.

2 minCorpus gap outputExpense ratio model
Educational model only. Past return differences may not continue.
Direct vs RegularCorpus gap
₹10,000/mo SIP · 20 years · 12% model
Direct plan₹99.9Lat 12% p.a.
Regular plan₹84.2Lat 11% p.a.
Corpus gap over 20 years₹15.7L
Tax Harvest Planner

Turn unrealised losses
into real tax savings.

Find funds where you're sitting on short or long-term losses and harvest them to offset gains - reducing your tax liability without changing your underlying investment strategy.

5 minHarvest opportunitiesTax offset model
Reference model only. Consult a tax advisor before acting on outputs.
Tax Harvest PlannerTax savings
Harvest opportunities identified
Estimated tax recoverable₹41,200
Axis Bluechip Direct
STCG loss · ₹22,400 harvestable
−₹22,400
ICICI Pru Liquid Fund
LTCG harvest eligible · ₹18,800
−₹18,800
Parag Parikh Flexi Cap
Exempt - units under 12 months
Hold
HNI Risk Scorecard

One score for
concentration, liquidity, tax.

A single model-based score across the three risks that quietly build up in a large portfolio - concentration in a few names, inadequate liquidity buffer, and deferred tax exposure.

5 minComposite risk score3 dimensions
Educational model only. Not a substitute for professional advice.
HNI Risk ScorecardModel risk score
LIQUIDITY · CONCENTRATION · TAX HYGIENE
₹1Cr–₹5Cr net worth band
41/100
CONCENTRATION
42%
LIQUID ASSETS
₹18L
Concentration
44%
Liquidity
21%
Tax hygiene
27%
SIP & Lumpsum Planner

Running both?
See the one number.

Combine a one-time lumpsum with a monthly SIP and model the total corpus they build together - useful when you have both a windfall and a regular contribution in play.

2 minCombined corpus outputLumpsum + SIP
Output is a reference model. Not personalized financial advice.
SIP & Lumpsum PlannerCombined corpus
20-YEAR PROJECTION · 12% EXPECTED RETURN
MONTHLY SIP
₹25,000
ONE-TIME LUMPSUM
₹5,00,000
COMBINED PROJECTED CORPUS
₹2.86Cr
SIP + lumpsum, compounded together
From SIP
₹1.78Cr
From Lumpsum
₹1.08Cr