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Financial Planner

Understand your money. Plan your retirement.

Financial Planner is a browser-based, privacy-first tool that brings clarity to your finances. Upload your bank statement to automatically classify transactions into income, expenses, EMIs, and investments — then use the Investment Planner to project your corpus across 11 asset classes using Indian market return assumptions. The planner models wealth growth through the accumulation phase and shows exactly how long your savings will sustain you post-retirement, factoring in inflation, income growth, and configurable EMI tenure. All processing happens locally in your browser — your data never leaves your device.

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Upload Bank Statement

Automatically detect income, expenses, EMIs, and investments from your CSV or Excel statement. Your numbers pre-fill the investment planner instantly.

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Manual Entry

Skip the statement upload. Go straight to the Investment Planner and enter your annual income, expenses, EMI, and current corpus directly.

📊 Financial Planner

Money Flow Breakdown

Cash Flow Summary

Month	Opening Balance	Cash Inflow	Cash Outflow	Net Balance

📈 Investment Planner

Your Financial Snapshot (from Statement)

Personal Details

Current Age

Retirement Age

Life Expectancy

Growth Assumptions

Income Growth (% p.a.)

Inflation (% p.a.)

Investment % of Income

Current Corpus & Asset Allocation

Enter existing portfolio value in Current Value. New Annual Allocation is auto-filled from your invest % — edit per asset class as needed. Returns are earned on the combined total.

Asset Class	Current Value (₹)	New Annual Allocation (₹)	Expected Return (% p.a.)
Total / Weighted Avg Return	₹0	₹0	—

Accumulation Phase — Pre-Retirement

Year	Age	Annual Income	Expenses + EMI	Investment Added	Returns on Corpus	Closing Corpus

Drawdown Phase — Post-Retirement

Year	Age	Opening Corpus	Annual Expenses	Returns on Balance	Closing Corpus	Status