Plan your money with confidence

Investment, insurance, retirement and life-goal calculators — currency-neutral planning tools.

How these tools work together
  1. Know your starting point — take a Net Worth Snapshot.
  2. Protect the downside — size your Emergency Fund and Insurance Needs first.
  3. Set the allocation — answer the Asset Allocation quiz to pick your equity / debt / gold mix.
  4. Plan the goals — use Goal Savings, Retirement Planning, and Financial Independence to set targets.
  5. Stress-test it — Portfolio Longevity, Real Return & Inflation, and Rent vs Buy check your assumptions.
  6. Measure as you go — XIRR and Risk-Adjusted Performance tell you whether the plan is working.

Latest articles

2026-09-14

Avalanche vs Snowball: Which Debt Payoff Method Actually Saves You More

The avalanche vs snowball comparison done properly: the math behind each, a three-debt worked example, where the real interest gap appears, and how to pick based on your actual track record.
2026-09-13

How Much Life Insurance Do You Actually Need? Two Methods Compared

Replace the rule of thumb: compare Human Life Value (income replacement) against a needs-based calculation for your life insurance cover, with worked examples and the group-life gap.
2026-09-12

FIRE Explained: Lean, Fat, Barista, and Coast — Which One Fits You

FIRE has four distinct variants — Lean, Fat, Barista, Coast — each with a different corpus target, timeline, and lifestyle. Here's the math behind each and how to pick yours.

Stock Screener

🔍

Nifty 50 Stock Screener

Six preset strategies — value, quality, growth, dividend, momentum and the magic formula — applied to India's largest 50 companies.

Goals

🎯

Goal Savings

Monthly SIP or lump sum needed to reach a target amount.
🌴

Retirement Planning

Corpus required and monthly savings, adjusted for inflation.
🔥

Financial Independence

Years to FI from your savings rate and real returns.
⏳

Portfolio Longevity

How long your corpus lasts and a sustainable withdrawal rate.

Investments

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Investment Growth

SIP + lump sum growth with a year-by-year projection.
📊

XIRR

True annualized return on irregular cash flows.
⚖️

Risk-Adjusted Performance

Sharpe and Sortino ratios from a return series.
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Real Return & Inflation

Nominal vs real returns and purchasing power.
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Bond YTM

Yield to maturity from price, coupon and term.

Risk & Insurance

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Insurance Needs

Life cover via Human Life Value and needs-based methods.
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Asset Allocation

Risk quiz that suggests an equity / debt / gold split.
🚨

Emergency Fund & EMI

Emergency fund size and loan EMI math.

Debt & Housing

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Debt Payoff Planner

Avalanche vs snowball payoff comparison.
🏠

Rent vs Buy

Which option builds more wealth over your horizon.

Wealth

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Net Worth Snapshot

Assets minus liabilities, categorized.
🪙

Annuity vs Lump Sum

Which payout is worth more at your discount rate.

About this site

Finance Planner is a free collection of currency-neutral personal finance calculators, a Nifty 50 stock screener, and plain-language guides. Every tool ships with prefilled example inputs and careful math you can check — no account is needed, no data is stored server-side, and nothing here is a sales pitch for a specific product.

The tools are designed to work as one connected plan: know your net worth, protect the downside, set an allocation, plan goals, stress-test assumptions, and measure results as you go.

Have feedback, a correction, or a feature idea? Write to [email protected].

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