Financial Planning Tool for Indian Professionals
Wealth Bachat
Formula
Many people earn money but struggle to manage it effectively. This tool helps you create a balanced financial strategy — divide your salary into smart buckets for savings, investments, and long-term wealth building.
₹1.76Cr
₹5K/mo at 12% in 30y
3×+
Starting early matters
20%
Min investment rate
Your Salary Allocation Preview
Investments
30% · ₹9,000
Emergency Fund
15% · ₹4,500
Lifestyle
25% · ₹7,500
Future Wealth
20% · ₹6,000
Skill Growth
10% · ₹3,000
Step 1
Your Financial Inputs
Enter your monthly income and fixed commitments to calculate your investable income and ideal allocation.
Monthly Financials
Your details are used locally — nothing is stored or shared.
Monthly Salary ₹50,000
Monthly EMI / Loans ₹8,000
Fixed Monthly Expenses ₹12,000
Rent, utilities, groceries, transport
💡 Expert Tip: Financial experts recommend investing at least 20-30% of your income. Keep EMI below 30% of monthly salary for financial safety.
💰 Investable Income
₹30,000
After all deductions
Gross Salary₹50,000
EMI Payments- ₹8,000
Fixed Expenses- ₹12,000
Available to Invest₹30,000
Your Name & Details (for PDF report)
Step 2
Income Allocation Dashboard
See exactly how your investable income should be divided across key financial categories.
Portfolio Split
Monthly
₹30K
Step 3
Financial Health Score
A composite score measuring the health of your current financial allocation.
72
/ 100
Good Financial Balance
Reducing EMI and increasing investments will improve your score.
Score Breakdown
Projection
Wealth Growth Visualization
See how your monthly investment grows over 5, 10, and 20 years with the power of compounding at 12% annual return.
20-Year Projection
Monthly Investment: ₹9,000 · 12% p.a.
Amount Invested
Estimated Wealth
Simulator
What Happens If Your Salary Increases?
Simulate how yearly salary growth changes your wealth trajectory over time.
Annual Salary Growth (%)
Annual Investment Step-Up (%)
Years
Life Goals
Life Goals Planner
Select a financial goal and find out how much you need to invest monthly to achieve it.
Buy a House
Child Education
Retirement
Car Purchase
Travel Fund
Goal: Buy a House
Target Amount (₹)
Years to Achieve
Expected Return (%)
Goal Target
₹50L
Required Monthly SIP
₹18,500
Start today
Total Interest Earned
₹27.8L
🎯 Financial Freedom
Your Financial
Freedom Countdown
Freedom Countdown
Based on your current investment rate and a 10% annual step-up, you could achieve financial independence in:
22
Years from today
At Age 50
₹3.2 Crore
Monthly Passive Income
₹26,667
Total Investment Made
₹82.8L
💚 Consistency and disciplined investing can help you achieve financial independence earlier than you think.
Smart Insights
Personalised Financial Recommendations
Financial Education
Common Money Mistakes in India
Awareness is the first step to avoiding costly financial errors.
01
High EMI Lifestyle
Too many loans - car, personal, credit card - consume income that should go toward investments. EMI above 40% of salary is a debt trap.
02
No Emergency Savings
Without a 3-6 month emergency buffer, one medical bill or job loss forces you to break investments or take high-interest loans.
03
Delayed Investing
Starting at 35 instead of 25 can cost you over 60% of your potential wealth. Every year of delay has an exponential cost.
04
Lifestyle Inflation
Every salary hike results in a bigger apartment, new phone, fancier car - but savings stay flat. This kills long-term wealth creation.
Real Life Stories
Real Life Bachat Heroes
Everyday Indians who used financial discipline to build extraordinary wealth.
Money Motivation
Words That Build Wealth
Financial wisdom from the greatest minds - reminders to stay disciplined on your wealth journey.
Your Next Steps
Personalised Action Plan
Based on your inputs, here are concrete steps to start building wealth today.
Learn
Knowledge Hub
Master financial concepts that will serve you for life.
Financial Education Library
All
Investing
Mutual Funds
Personal Finance
Planning
Download My Wealth Plan (PDF)
Get a comprehensive personalised report with your salary allocation, health score, wealth projections, and action plan.
✓ Financial Summary
✓ Allocation Breakdown
✓ 20-Year Projection
✓ Action Plan
✓ Knowledge Guide