Financial Planning
Educational planning frameworks for budgets, resilience, long-term goals and informed decisions.
How to Create a Personal Financial Plan: A Practical Guide
Build a personal financial plan from your goals, cash flow, emergency reserve, debt, insurance and investments—then turn it into a monthly action list.
SIP Calculator Guide: How Much Should You Invest for a Goal?
Use a SIP calculator to work backwards from a financial goal, test return assumptions and choose a monthly contribution you can review over time.
Retirement Planning in India: Estimate Your Corpus and Monthly Investment
Estimate a retirement corpus from future spending, reliable income and planning scenarios, then work out the monthly investment and risks to review.
Emergency Fund Calculator: How Much Should You Save?
Calculate an emergency fund from essential expenses, income risk and one-time gaps, then choose a realistic monthly amount and a safe place to keep it.
Personal finance planning for Indian households
Good financial decisions start with a plan you can actually follow: how much to keep for emergencies, how much to invest each month and how far that gets you towards goals like a home, a child's education or retirement. These guides explain the steps in plain language, with worked examples in rupees and the assumptions behind every number.
Each article pairs with a free calculator on this site, so you can test your own figures as you read. The SIP guide shows how monthly investing compounds over time, the retirement guide estimates the corpus you need after inflation, and the emergency fund guide helps you size a safety buffer for your household.
The guides are educational, not investment advice. They do not recommend specific funds or products, and tax rules and interest rates change, so check current figures and speak to a qualified financial advisor before acting on any plan.
All calculators run in your browser and nothing you enter is sent to us. Results are estimates; please talk to a qualified financial advisor before making financial decisions.
Where to start
- 1Create a personal financial planIncome, expenses, goals and priorities in one simple plan.
- 2Emergency fund calculator guideHow many months of expenses to keep aside, and where to hold them.
- 3SIP calculator guideHow much to invest each month for a goal, with and without a yearly step-up.
- 4Retirement planning in IndiaEstimate your retirement corpus and the monthly saving needed to reach it.
Free calculators and tools
- SIP calculatorProject monthly investments with an optional annual step-up.
- Retirement calculatorCorpus needed, inflation-adjusted expenses and monthly saving.
- Emergency fund calculatorSize your safety buffer from monthly essentials.
- YojIQ money plannerOur offline Android app for budgets, goals and plans.