Welcome to Finance Planner: smarter money math in minutes

Welcome. Finance Planner is a collection of free, currency-neutral calculators for the money decisions most of us actually make: how much to save for a goal, how big a retirement corpus you need, how long your money will last, and whether that fund's returns are real. You don't need an account, nothing is saved on the server, and every tool ships with prefilled example inputs plus plain-language explainers, so you can run a rough pass in under a minute.

Why calculators at all? Because most money decisions are math problems wearing emotional disguises. "Will I have enough?" is really a growth-rate problem. "Should I buy or rent?" is a comparison of two compounded futures. When you force a number, the trade-offs stop being feelings and become something you can act on — and revise when your inputs change.

One connected plan, not a pile of tools

These calculators are most powerful when used in sequence. The order that works for most people is: know where you stand, protect the downside, set your allocation, plan your goals, stress-test the result, and measure as you go. Here's that tour.

Step 1: Know where you stand

Start with a Net Worth Snapshot. Add up your assets and liabilities by category — cash, investments, real estate, loans — and the calculator shows your net worth and, just as importantly, what's actually liquid. A big number trapped in a house or a locked-down retirement account behaves very differently from cash in hand, and that distinction shapes everything that follows.

Step 2: Protect the downside first

Before chasing returns, make the bad months survivable. Size your Emergency Fund & EMI from your essential monthly expenses and a target number of months of cover — the same page also does loan EMI math. Check that you're not carrying unmanageable debt-payment load by running the Debt Payoff Planner, comparing avalanche against snowball. Then close material gaps with Insurance Needs, which estimates life cover from both your human life value and the liabilities you'd leave behind.

Step 3: Set your allocation

With the downside handled, decide how your savings are invested. The Asset Allocation tool is a short risk quiz that maps your answers to a suggested equity / debt / gold split. It's a starting point, not a sentence — the point is to have a deliberate mix rather than an accidental one.

Step 4: Turn goals into numbers

Now give your targets a price tag. For specific future amounts — a wedding, a trip, a deposit — use Goal Savings to find the monthly SIP or lump sum required. For the big picture, use Retirement Planning to estimate the inflation-adjusted corpus you'll need and the monthly savings that build it. And if running the numbers on your own retirement feels far away, Financial Independence shows the other end of the same question: how your savings rate and real returns determine the number of years to freedom.

Step 5: Stress-test the plan

The plan only works if it survives reality. Check Portfolio Longevity to see how long your corpus lasts against different withdrawal rates and inflation — and gauge whether your return assumptions are even grounded using Real Return & Inflation. If housing is a question, Rent vs Buy weighs the full cost of owning (EMI, maintenance, tax, appreciation) against renting and investing the difference.

Step 6: Measure as you go

Once the plan is running, check whether it's actually working. For irregular cash flows — nearly every real portfolio — use XIRR to get your true annualized return. Add Risk-Adjusted Performance to see whether that return was earned with reasonable volatility or bought with whipsaw. And project where you're headed with Investment Growth before making changes instead of after.

When the one-off questions come up

Beyond the core sequence, two decisions deserve their own tools. To compare a fixed deposit against a bond or fund, Bond YTM converts price, coupon, and term into a single comparable yield. And if someone offers you a payout as a lump sum or an annuity — think pensions, lottery winnings, structured products — Annuity vs Lump Sum tells you which is worth more at your discount rate.

Where to start (really)

You don't need perfect inputs on day one. Run each calculator with its prefilled examples to see the shape of the answer, then swap in your own numbers and refine. Revisit the plan quarterly or whenever a life event changes the inputs — a raise, a child, a move — and the calculators will keep the math honest. Browse them all from the homepage and start anywhere.