What we built
Every number.
Every formula.
Nothing hidden.
Five features. All with explainable outputs, India-specific defaults, and zero distributor commissions.
Most platforms give you a quiz.
We run a model.
Five questions, a personality label, a generic allocation. That's most risk profiling. We look at time horizon, income stability, dependents, existing debt, and what you actually need the money for — then map everything to a specific recommended allocation.
Your recommended allocation
Specific numbers.
Not "balanced."
You get an actual equity-debt-gold split with fund style guidance. Large-cap vs mid-cap vs index vs debt — tuned to your profile. And the reasoning is written out, not locked in a model you can't see.
* Example for a moderate-risk, 15-year horizon profile. Changes with your inputs.
Will you actually hit
your goal?
Not "it depends." We run the math — current savings, required SIP, time left, Monte Carlo probability — and show you exactly what to change if the answer is no.
Your goal
₹60 L
Dream home · 7 years
Funded so far
Outcome probability
Based on 1,000 simulated market scenarios.
“Every recommendation comes with its assumptions, formula, and reasoning written out. No black box.”
Input
15-year time horizon
Output
Equity-heavy allocation recommended
Markets typically reward patience on horizons > 10 yr.
Input
Stable salaried income
Output
Monthly SIP over lumpsum
Rupee-cost averaging reduces entry risk on volatile months.
Input
Goal: retire at 55
Output
Avoid mid-cap overexposure after 45
Shorter accumulation window post-45 limits recovery time.
Assumptions used in this recommendation
Free · No account needed
Try the calculators
SIP Calculator
Maturity amount, total returns, and inflation-adjusted real value
We show the real value after 6% inflation. Most calculators don't.
02FIRE Calculator
4% rule corpus, 3% India-safe corpus, monthly SIP needed to retire
Two FIRE numbers. Because India ≠ US.
03Step-Up SIP Calculator
Regular vs step-up corpus comparison with year-by-year chart
A 10% annual increase on ₹5k SIP builds ₹6L extra in 10 years.
Ready to put it all together?
The calculators give you numbers. The full plan gives you the allocation, the goal feasibility, and a month-by-month action plan.