Monthly Salary & Investment Planner
Take ultimate control of your paycheck. Enter your exact monthly expenses, discover your true Investable Cash, build a custom investment portfolio, and let our algorithm generate your Financial Health Score and Actionable Wealth Plan.
Your Cash Flow
Current Emergency Savings (Cash in bank, liquid funds, FDs)
₹ 2,00,000Monthly Expenses
Total: ₹50,000Monthly Investments
Health Score
85 / 100
Total Invested
₹30,000
Financial Health Score
85
/ 100Verdict: Excellent
Current Salary Flow
Actionable Investment Plan
Personalized feedback based on your exact expenses and custom portfolio.
Wealth Trajectory
Estimated Corpus at Age 60
₹10,61,55,741
Compounds your exact custom portfolio monthly until age 60.
How to Build a Custom Financial Plan
Generic rules like 50/30/20 are a good starting point, but they rarely fit everyone perfectly. This calculator is a Dynamic Portfolio Builder that allows you to input your exact living costs to reveal your true Investable Cash. From there, you can design a custom portfolio and see exactly how it projects over your lifetime.
Step 1: Uncover Your Investable Cash
Many people set up investment SIPs without actually calculating if they can afford them. By entering your Rent, EMIs, Household Expenses (Groceries, Maid), and Lifestyle Expenses (Movies, Dining), the calculator instantly shows you your exact "Unallocated Cash". You should aim to invest as much of this cash as possible to prevent lifestyle inflation.
Step 2: Emergency Fund Before Everything
A common mistake young earners make is starting a massive Equity SIP before building an Emergency Fund. If a medical emergency or job loss occurs, you will be forced to sell your stocks at a loss. Our robotic advisor analyzes your "Current Emergency Savings" against your "Total Monthly Expenses." If you have less than 6 months of runway, it will throw a warning advising you to prioritize liquid assets (FDs/Liquid Funds).
Step 3: Asset Allocation (The Rule of 100)
Once your emergency fund is secure, your savings shift toward long-term wealth creation. Our advisor checks your custom investment allocations against your age and risk profile:
- Equity (Mutual Funds / Stocks): Historically the highest wealth generator. A standard rule of thumb is to hold (100 - Your Age)% of your portfolio in Equity. If you are 30, roughly 70% of your money should be chasing high growth.
- Debt (EPF, PPF, FDs): Provides stability when the stock market crashes.
- Gold (SGBs): Sovereign Gold Bonds act as a traditional hedge against inflation.
Understanding Your Financial Health Score
Earning a high salary doesn't guarantee a high Health Score. Our algorithm evaluates:
- Debt Burden: Are your EMIs choking your cash flow? Keeping EMIs under 30% of your in-hand pay maximizes this score.
- Savings Discipline: Are you aggressively investing 20% to 30% of your income?
- Resilience: If your income stopped tomorrow, how many months could you survive on your existing cash?
Frequently Asked Questions
Find clear answers to common questions about this converter, accuracy, usage, and real-world applications.
How does the Financial Health Score work?
Our algorithmic score (0-100) evaluates your personal finances based on standard Indian financial planning benchmarks. It measures three pillars: Debt Burden (Is your EMI under 30% of income?), Savings Rate (Are you investing at least 20%?), and Emergency Buffer (Do you have 6 months of baseline expenses in cash?).
Why does the calculator cap my investment inputs?
To ensure a realistic plan, the calculator strictly prevents you from allocating more money to investments than your Available Cash (Total In-Hand Salary minus Total Monthly Expenses).
What is an Emergency Fund and why is it prioritized?
You should never invest heavily into locked mutual funds or stocks until you have a cash buffer to survive a medical emergency or sudden job loss. The Actionable Plan will warn you if your existing liquid savings are less than 3 to 6 months of your total monthly expenses.
How is the Retirement Corpus projected?
The projection runs a Compound Interest / SIP formula on every single investment row you created, applying your exact custom expected return rate. It compounds this money monthly until you reach the assumed retirement age of 60.
Can I use this calculator for other countries?
Yes, you can use this calculator for any country. Just remember to adjust the currency symbol and expected return rates according to your local financial environment.
Can I use this calculator for other countries?
Yes, you can use this calculator for any country. Just remember to adjust the currency symbol and expected return rates according to your local financial environment.
How often should I update my inputs?
It's recommended to review and update your inputs at least once every 3-6 months, or whenever there are significant changes in your income, expenses, or financial goals.
Is this calculator suitable for beginners?
Absolutely! The calculator is designed to be user-friendly and provides actionable insights, making it suitable for both beginners and experienced investors.