01 · Buying a home
The EMI is not the price
Twenty years of interest on a home loan often exceeds the cost of the house. Knowing that number before you sign changes which house you buy, and which tenure you accept.
Work out the real costIndependent financial planning · Bengaluru
Plan first.Then pick the product.
We help salaried families and business owners across India turn income into a plan — protection, investments, savings and tax — explained in language you can repeat back, and backed by calculators that show their working.
- Fee and commission disclosed before you commit
- Calculators run in your browser, never on our servers
- Plain language, or we have not finished explaining
“What happens to this if I stop earning?”
It is the first question we ask, and the one most plans are never tested against.
What we believe
Most people do not have a money problem. They have an ordering problem.
The household earning well and saving diligently, with no emergency fund and a health policy that ends with the job, is not short of money. It is short of sequence. When something goes wrong — and something does — the investments get liquidated at the worst possible moment and a decade of discipline is undone in a fortnight.
So we work in an order. Cover what would derail everything else. Put a date and an amount against what matters. Match the strategy to the timeline rather than to the mood of the market. Then review it once a year and leave it alone in between.
Nothing here is complicated. It is simply rarely done in the right order, because there is no product to sell at step one.
What we do
Four jobs, in the order they matter
Protection comes first because everything above it depends on it holding. Growth comes last because it is the part that needs time, not urgency.
Protection is the least interesting part of a financial plan and the part that decides whether the rest of it survives. One hospital admission or one lost income can undo a decade of investing. We start here because the maths of everything after it depends on it holding.
- Term InsurancePure life cover with no investment attached. The cheapest way to make sure your income keeps arriving if you don't.
- Health InsuranceCover sized against real hospital bills in your city, not against the premium you'd like to pay.
- Family ProtectionOne view of who depends on your income, what they would need, and what is already covered.
- Personal AccidentFor disability and loss of earning capacity — the risk most people insure last and need most.
Try it now
Move a slider. Watch twenty years change.
This is the live SIP calculator, embedded. Change the monthly amount and the horizon, and see how much of the final figure is your contribution and how much is time doing the work.
₹1K₹2L
3 yrs35 yrs
4%18%
Projected value after 15 years
₹75,68,640
You would invest ₹27,00,000. The other ₹48,68,640 is growth, assuming 12% a year on average — an assumption, not a promise.
- You invest
- ₹27 L
- Estimated growth
- ₹48.7 L
Where planning shows up
Five moments where the arithmetic decides the outcome
Financial planning is abstract until it meets a specific decision. These are the ones that come up most, and the numbers that turn each of them around.
02 · Raising children
Education inflates faster than everything else
Fees rise ahead of general prices, and the bill arrives on a fixed date you cannot negotiate. Starting eight years out costs a fraction of starting three years out.
Plan for education03 · Staying covered
One admission undoes a decade
A single hospital stay is the most common reason a sound financial plan gets dismantled. Cover sized against real hospital costs is the cheapest protection you will ever buy.
Understand cover
04 · Retiring well
Thirty years of spending, no salary
Today's monthly expenses, inflated across a career and then funded for twenty-five years, produce a number most people have never calculated. It is better seen early.
Find your number
05 · Running a business
Your business is not your plan
Owners routinely hold everything in one asset with no personal cover and no retirement outside the company. Separating the two is the first piece of work we do together.
Separate the twoHow it works
Four stages, and none of them start with a product
A plan is not a purchase. It is a sequence of decisions with your name on them, and this is the order we make them in.
01
Understand
Find out where the money actually goes.
Before any product is discussed we build a plain picture of income, fixed obligations, existing cover and what is left over. Most people are surprised by this stage — not by what they spend, but by how much of their savings is already committed to something.
You end up with: A one-page view of income, outgoings and everything already in force.
02
Plan
Put dates and amounts against what matters.
Goals without dates are wishes. We convert each one into a target amount at a target year, adjust it for inflation, and rank them — because almost nobody can fund everything at once, and choosing openly beats choosing by accident.
You end up with: Dated goals, a monthly number against each, and an explicit order of priority.
03
Invest
Match the strategy to the timeline, not the mood.
A goal three years out and a goal twenty years out are not funded the same way. Short horizons go into instruments where the date is certain. Long horizons take equity risk, because thirty years of inflation is the bigger danger. Then the allocation is written down so it survives a bad quarter.
You end up with: A written allocation per goal, with the reasoning attached to each choice.
04
Review
Adjust when your life changes, not when markets do.
Once a year we check whether the plan still matches reality — income, dependants, goals, cover. Contributions step up with income. Allocations get rebalanced back to target. Nothing changes because of a headline.
You end up with: An annual review, a rebalancing rule, and a step-up schedule tied to your income.
Eleven calculators
Every tool, one list
All of them free, all of them working, none of them behind a form.
01Borrowing
02Investing
04Planning
Why trust the numbers
Six commitments, no statistics
You will not find a client count or a star rating on this site. We have no independently audited way to prove either, and a number you cannot verify is worth nothing. These are things you can hold us to instead.
Every formula is printed
Each calculator shows the equation it runs and the convention it follows. If our number differs from your bank's, you can find out why in one screen.
Assumptions stated up front
Projections depend on an assumed rate. We put that rate in your hands, label it as an assumption, and never present a projection as a promise.
Nothing you type leaves your browser
The calculators run entirely on your device. Salaries, loan balances and rent figures are never transmitted, stored or logged.
Plain language, no jargon tax
If a term needs explaining we explain it in place, or link to the glossary. Complexity in this industry is usually a pricing strategy.
Education before product
You can use every tool here, read every guide and leave without speaking to anyone. There is no gate and no form in the way.
A person answers
When you do want to talk, you get a scheduled conversation with someone who has read your numbers — not a call centre working through a script.
Illustrative situations
Four positions, and the number that settled each one
Not testimonials. These are composites of situations we see regularly, written so you can recognise your own position in one of them — and run the same figures yourself.
Illustrative composites based on situations we see regularly. They are not testimonials, and no real client, name or photograph is represented. Figures are calculated with the tools on this site — run them yourself with your own numbers.
Salaried, 34 · Bengaluru
Twenty-year home loan taken at 8.6%, four years in, with a performance bonus arriving in March.
“Should the bonus go against the loan or into the market?”
₹4,00,000 prepaid in year five removed just over ₹13,00,000 of future interest and cut the tenure by more than three years.
Half the bonus went to prepayment, half to an existing SIP. The EMI stayed the same, the end date moved forward.
Run this on the prepayment calculatorDual income, 29 and 31 · Pune
Both earning well, no dependants yet, ₹18,000 a month going into a savings account with no purpose attached.
“Is a monthly SIP worth starting before we have a specific goal?”
The same ₹18,000 a month, assumed at 11% over 25 years, projects to roughly ten times what it would earn sitting in a savings account.
The amount was split across two goals with dates on them, and stepped up 10% each year with income.
Try the step-up on the SIP calculatorSingle earner, 41 · Hyderabad
Two children, a spouse not currently earning, and life cover of ₹25,00,000 bought through a bank a decade ago.
“Is the existing cover anywhere near enough?”
Replacing the household's income until the younger child finishes education needed roughly eight times the cover in force.
A term policy replaced the shortfall at a premium under 1% of annual income, before anything was moved in the portfolio.
See how a shortfall compoundsConsultant, 46 · Chennai
Income around ₹32,00,000, historically filing under the old regime with 80C fully used and a home loan running.
“Does the old regime still make sense after the slab changes?”
Once the ₹75,000 standard deduction and the wider slabs were applied, the new regime came out lower by a five-figure amount.
The regime was switched and two tax-saving products bought purely for 80C were allowed to run off.
Compare both regimes on your incomeFAQ
Questions people actually ask
If something here is unclear, that is our problem rather than yours — say so and we will rewrite it.
Read all frequently asked questionsEach one runs a standard financial formula on the numbers you type in — nothing is fetched, nothing is guessed. An EMI comes from the reducing-balance instalment formula, a SIP projection from the future value of an annuity, a fixed deposit from compound interest at the frequency your bank uses. Every calculator page prints the formula it runs so you can check the arithmetic yourself.
No, and be careful with any tool that implies otherwise. Where a return is fixed by contract — a deposit, PPF, gratuity — the output is arithmetic and will be close to what you receive, subject to tax and the exact day-count your institution applies. Where a return is assumed — SIP, retirement, anything market-linked — the output is a projection built on the rate you entered, and real markets do not deliver a smooth annual number.
For deposits and loans, accurate to the rupee against the same assumptions your bank uses. Small differences appear because lenders may apply daily rests, charge processing fees, or reset floating rates mid-tenure. For projections, treat the figure as a well-formed estimate: change the assumed return by two percentage points and you will see how much of the result is arithmetic and how much is assumption.
A lump sum puts the whole amount to work immediately, which is mathematically better when markets rise steadily — and painful when they don't. A SIP spreads entry across months, so you buy at a range of prices instead of one. The real argument for a SIP is behavioural: it matches how salary arrives and it removes the decision of when to invest, which is the decision most people get wrong.
Interest is charged on the outstanding balance, so a prepayment stops the interest that balance would have generated for the rest of the tenure. That is why an early prepayment saves far more than the same amount paid later — in year two of a twenty-year loan, a rupee prepaid can remove three or four rupees of future interest. You then choose between a shorter tenure at the same EMI, which saves the most, or the same tenure at a lower EMI, which frees up monthly cash.
Once a year as a matter of routine, and immediately after anything that changes your income, your dependants or your goals — a new job, a marriage, a child, a house, a serious diagnosis. Reviewing more often than that usually means reacting to markets, which is the opposite of a plan.
No. Everything here is general information and educational tooling, published without knowledge of your circumstances. Advice is what happens after someone understands your income, obligations, dependants, existing cover and risk appetite — and it comes with accountability attached. If you want that, talk to us or to any qualified professional.
Start somewhere
Your financial goals deserve more than guesswork.
Bring your numbers, your obligations and the things you are unsure about. We will tell you what we would do in your position, what it costs, and what we are paid — before you commit to anything.
