Are you on track for your goals?
Build a long-term plan that covers your safety net, net worth, specific goals, and financial independence.
Tools in this cluster
Financial Health Score
One number that captures the overall state of your finances — computed from your profile across six pillars.
SIP Calculator
Calculate the corpus your monthly SIP builds over time, with optional step-up for annual increases.
FD Calculator
Calculate the maturity amount of a lump sum or recurring Fixed Deposit with quarterly compounding.
PPF Calculator
Calculate PPF maturity with the current government rate and the ₹1.5L annual contribution cap.
EPF Calculator
Project your retirement EPF corpus based on basic salary, rate, and salary growth.
Retirement Corpus Calculator
Calculate the inflation-adjusted corpus you need at retirement, and the monthly SIP that closes the gap.
FIRE Calculator
Estimate your financial independence target and whether your current savings plan reaches it by your chosen retirement age.
Goal-Based Investment Planner
Estimate the monthly SIP needed to reach a specific goal amount within a chosen time horizon.
Emergency Fund Calculator
Work out how much liquid emergency savings you need based on expenses, dependents, and job volatility.
Net Worth Tracker
Track total assets, liabilities, and the overall direction of your balance sheet over time.
House Goal Planner
Plan the full capital required to buy a home — not just the down payment, but closing costs, interiors, and an emergency reserve.
Comparison pages
SIP vs FD — Which Builds More Wealth?
Side-by-side comparison of monthly SIP vs recurring FD at the same monthly contribution.
PPF vs EPF — Which Tax-Free Debt Wins?
Compare PPF and EPF returns for the same annual contribution at current government rates.
SIP vs PPF — Which Long-Horizon Winner?
Compare equity SIP against tax-free PPF for the same annual contribution over long horizons.
How to use this cluster
Planning starts with a safety net, not a return target. These tools layer up: size your emergency fund first, track net worth direction, anchor investing to specific goals, and model financial independence. The Am I On Track hub composes all four into a single forward-looking dashboard.
Guided flow
Prefer a guided walkthrough?
Walk through every input of this cluster in one place with the flagship hub. Your inputs sync across every tool on the platform.
Open the hubFrequently asked
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
How much emergency fund is enough?
3 months for a stable salaried income with no dependents, 6 months is the usual baseline, and 9+ months when income is volatile or a household depends on one earner.
What's a realistic return assumption?
10-12% for long-horizon equity, 6-7% for blended portfolios, 5-6% for debt-heavy portfolios. Stress-test every plan at 1-2 percentage points lower to see if it still holds.
How do I know if I'm on track for FIRE?
The FIRE calculator compares projected corpus to an inflation-adjusted target. A positive gap doesn't mean success — stress-test with a higher inflation number and lower return.