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A browser-local view of your net worth, investments, debt, insurance dates, goals, retirement assumptions, upcoming commitments and monthly cash flow.
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No assets recorded yet.
No overdue or upcoming policy dates recorded.
Retirement assumptions needed
Add retirement spending and earmark assets to calculate a scenario.
Balances are manually recorded, not live account balances. Cash-flow entries do not automatically change assets, loans or goal savings. Planned additions are not proof of actual deposits.
Each asset has one assignment. Split a holding into separate entries only when their values total the actual holding. Available age is your access assumption, not a statement of withdrawal eligibility. Planning returns are editable scenarios, not forecasts.
No assets recorded.
No liabilities recorded.
No dated snapshots yet.
Current value and monthly additions are manually recorded. Gain, XIRR and CAGR are not shown because purchase-level cash-flow history is not collected. Pausing or stopping a SIP means editing its planned monthly addition to zero; this does not act on any mandate.
No investments recorded. Add mutual funds, stocks, deposits, EPF, PPF, NPS, bonds or gold as asset records.
Outstanding balances and EMIs are manual snapshots. Add an EMI date in Calendar for upcoming-payment tracking. Remaining interest and tenure require original amortisation terms, so this view does not invent them.
No loans or balances recorded.
Date flags appear here only; no background notifications. Recorded dates do not establish that a policy is in force. Edit the next due date after paying or renewing. Annual totals exclude single premiums and do not combine different people's cover.
No insurance policies recorded.
Targets are future-date amounts, not today's costs. Assign assets in Net Worth to track actual recorded funding and planned monthly additions. Returns compound at each asset's assumption; taxes, fees and market volatility are not modelled.
No goals recorded.
Current age 35 · Target 60 · Plan through 90 · Inflation 6% · Post-retirement return 5%
Spending ₹0/month in today's money · Fixed pension at retirement ₹0/month · One-off buffer ₹0 in today's money
Enter retirement spending to calculate an outlook. Include ongoing housing, healthcare, debt payments and dependants in your spending assumption.
The first funded age is the first whole age, from your current age through the earlier of 100 or one year before the planning horizon, where projected resources meet the modelled corpus. It is not a recommendation or guaranteed retirement date. A short remaining planning horizon can make a late age appear funded.
Uses NiyamFin's existing retirement spending engine: inflation-adjusted annual spending, fixed nominal pension, and start-of-year withdrawals discounted at your post-retirement return. Each assigned asset uses its own return, unchanged monthly additions, and assumed availability age. Balances are treated as current even if their recorded valuation is older. Assets assigned to other goals are excluded. Taxes, fees, NPS annuitisation rules, asset sale costs, access restrictions beyond your age input, and return sequence risk are not modelled. Include continuing debt costs in retirement spending; liability balances are not automatically deducted from the corpus.
Detailed retirement plannerThis is an in-app timeline, not a background notification service. Insurance premium dates and goal target dates are included automatically. Add EMIs, SIPs, credit-card bills, subscriptions, maturities and tax dates manually.
No dates recorded.
No expenses recorded for this month.
0 entries shown. Totals include all entries for the selected month.
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No bank connection or cloud backup. Device saving uses local storage in this browser; clearing browser data can erase records. Exported files contain your financial information. Net cash flow is recorded income minus expenses, not your bank balance.
Planning records stay in browser memory unless device saving is enabled. Cash Flow has its own saving switch and CSV export; planning backups do not include transactions. No bank sync or cloud backup. Files and browser storage contain personal financial information; avoid shared devices. Clearing browser data can erase saved records.