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
Is your financial health actually improving? See your score across 6 pillars, simulate what-if scenarios, and compare against peers in your age band.
SIP Calculator
Will a steady SIP actually grow into the corpus you need? See the final number, what drives it, and whether your plan is aggressive, balanced, or lagging.
FD Calculator
Will this FD actually grow your money after tax and inflation? See the maturity amount, what drives it, and whether a better alternative exists for your horizon.
PPF Calculator
Will 15 years of PPF actually build a meaningful tax-free corpus? See the maturity amount, what drives it, and whether maxing the ₹1.5L cap is worth it for you.
EPF Calculator
Will EPF alone fund your retirement? See the projected corpus at 60, what drives it, and whether a VPF top-up is worth considering.
Retirement Corpus Calculator
Will your current plan actually cover retirement? See the inflation-adjusted corpus you need, the gap after compounding your existing savings, and the monthly SIP that closes it — then stress-test inflation and return assumptions.
FIRE Calculator
Can you actually retire early? See your inflation-adjusted FIRE number, the corpus your current contributions project to, and the gap — plus what happens if returns disappoint or you delay a few years.
Goal-Based Investment Planner
Will a monthly SIP actually get you to this goal on time? See the required amount, what drives it, and which lever — horizon, return, or scope — moves the needle.
Emergency Fund Calculator
Is your liquid cushion actually enough to survive a job loss? See the months you're covered, the shortfall, and what drives the target for your profile.
Net Worth Tracker
Is your balance sheet actually moving in the right direction? Capture assets and liabilities in one place, see how a market drop or property swing would reshape net worth, and track the trend month by month.
House Goal Planner
Can you actually afford this home? See the full capital required — down payment, stamp duty, interiors, and EMI reserve — plus how many months of saving it takes and what trimming the target buys you.
NPS Calculator
See what your NPS corpus will look like at retirement — including the mandatory annuity split and tax-free lump-sum withdrawal.
Comparison pages
SIP vs FD — Which Builds More Wealth?
Should you put your monthly savings into an equity SIP or a recurring FD? See projected corpus for both, what tips the scale at different horizons, and when the FD's safety edge actually matters.
PPF vs EPF — Which Tax-Free Debt Wins?
Should you top up PPF or let EPF do the heavy lifting? See how both government-backed vehicles compare for the same annual contribution, what the rate gap means over time, and which lock-in suits your timeline.
NPS vs PPF
Which retirement lock-in is worth it for your tax bracket? Compare NPS equity returns against PPF's guaranteed, tax-free compounding.
Lumpsum vs SIP
Got a lump sum to invest? See whether deploying it all at once or spreading it via SIP builds more wealth over your horizon.
FD vs PPF
Which safe instrument actually beats inflation after tax? Compare FD's post-tax return against PPF's tax-free compounding.
Gratuity vs EPF
Which employer benefit matters more when you resign? See how gratuity and EPF compare at different tenures.
FIRE vs Traditional Retirement
Retire at 40 vs 60 — what's the real cost difference? See the corpus gap and what it takes to close it.
SIP vs PPF — Which Long-Horizon Winner?
Should your long-term savings go into an equity SIP or tax-free PPF? See projected wealth for both, what drives the gap, and when PPF's guaranteed return is the smarter bet.
Guides in this cluster
The India Personal Finance Playbook 2026: Your First ₹1 Crore by Income, Age, and City
A complete decision tree for India in 2026: a 7-question diagnostic, income-bracket and age-decade playbooks, the 12-step sequence most people get wrong, and what changed for the new tax year. Built for the salaried Indian professional aiming for the first ₹1 crore.
NPS Tax Benefit in New vs Old Regime (2026 Update)
Section 80CCD(1), 80CCD(1B)'s extra ₹50,000, and 80CCD(2) employer contribution — which NPS deductions still work in the new regime in 2026, and a worked example at ₹15 lakh salary.
Step-Up SIP: When Increasing Your SIP Every Year Beats Starting Big
A ₹20,000 SIP stepped up 10% every year builds a larger corpus than a flat ₹30,000 SIP over 20 years — with less strain. The math, when to step up, and when prepayment or the emergency fund should come first.
FIRE in India: Can You Actually Retire at 40?
FIRE (Financially Independent, Retire Early) is possible in India — but the math is different from the West. Healthcare costs, family obligations, and 6% inflation change the safe withdrawal rate and required corpus significantly.
NPS vs PPF in 2026: Which Should You Invest In?
Both NPS and PPF are government-backed retirement savings instruments. But they work very differently. Here's how to choose, and why most people should use both.
Emergency Fund Guide: How Much Do You Actually Need?
The complete guide to sizing, building, and holding an emergency fund in India. How many months, where to park it, and when to use it.
SIP Guide: How Monthly Investing Actually Builds Wealth
A plain-English guide to Systematic Investment Plans (SIPs) in India. How they work, what returns to expect, and how to avoid the three most expensive mistakes beginners make.
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
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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.