Loading…
Loading…
Enter your household, dependents and goals to explore an illustrative monthly-income plan and rule-of-thumb cover estimates. Every starting value is editable; the result is not an objective income requirement or insurance recommendation.
Every active goal is inflation-adjusted to the year it is needed, converted into a monthly investment, and added to entered household expenses and the modeled retirement contribution. The total is divided by 80%, leaving a 20% NiyamFin planning buffer for taxes, lifestyle and unmodeled costs. Insurance premiums are excluded because they require product-specific quotes and underwriting.
Planning a child before they arrive? Enter their age as a negative number of years until birth — for example, -8 if you're planning to have a child in 8 years. Every goal for that child is still timed correctly.
40 Thousand
Rent, groceries, utilities and transport, excluding the goals below. Starting estimate — edit to match your household.
New child goals start with editable cost, timing and inflation examples. Replace them with your own estimates.
No children added. Add a child — already born or planned for the future — to size their schooling, higher education, and marriage goals.
No other dependents added. Add a spouse, parent, or sibling you financially support, with their monthly cost.
Each goal type starts with an editable example preset, not a market average or recommendation.
20 Lakh
Illustrative Monthly Income Needed
₹1.11 L/mo
about ₹13.29 L/year, take-home
How This Adds Up
Or Fund Everything With One Lumpsum
₹43.22 L invested today
This illustration combines today's lump sums for active goals and retirement. It does not include insurance premiums; obtain product-specific quotes based on insurer pricing and underwriting.
* Illustrative income = household expenses + goal investments + retirement investment, divided by 80%. The remaining 20% is NiyamFin's editable planning buffer for taxes, lifestyle and unmodeled costs. Insurance premiums are excluded.
Assumptions shown: household expense ₹40,000/month; returns 11% before and 7% after retirement; general inflation 6%. Each goal can use its own editable inflation rate.
₹1.64 Cr
illustrative cover estimate
Uses essential living costs, the remaining years to retirement and today's cost of active goals. Premiums are not estimated; compare insurer quotes and underwriting terms.
₹10.00 L
illustrative family-floater estimate
Uses the NiyamFin city-tier and dependent rule of thumb. Premiums are not estimated; actual pricing depends on insurer, ages, health, location, features and underwriting.
in 7 years
₹27,022/mo
or ₹16.51 L one-time
This is an educational planning estimate, not financial advice. Family Plan is a supporting, assumption-led planning tool; its defaults are editable examples, not predictions or official benchmarks. Insurance cover figures are rule-of-thumb estimates and no premium is estimated. For a plan that also accounts for your existing income, savings, and debts, use the Financial Health Checkup.