A plan built from your real numbers.

The questions a planner asks. Your answers. Your plan.

Plan Builder walks through what a financial planner would ask in a first meeting, then does the arithmetic a planner would do. Tap “Fill from my portfolio” and most answers come straight from your holdings, loans, insurance, SIPs and goals.

• About you: age, retirement age, family, dependants — resident, NRI or seafarer
• Your work and how steady the income is
• Monthly cash flow: income, spending, EMIs and SIPs running now
• Six short questions about how you handle risk

Out comes a plan: your risk profile, what is free each month, a suggested monthly investment, a long-term mix of equity, debt and gold — and a health check that puts the costly things first, like card dues at 36–42% a year or a life cover that falls short.

Your personal financial plan — similar to the plan a professional adviser would prepare for you, included with the app. An adviser reviews your plan once a year; here you can run it as many times as you like, at no extra cost, the same day anything changes. It works at the level of fund categories and never names a fund to buy.

What a planner would tell you, for your stage of life.

The plan goes on to write the advice an experienced planner adds once they know your household — read from your own answers.

• Where you are in life, with income-multiple checkpoints for your age
• Your family: cover for a single or dual income, each child’s education timeline, Sukanya Samriddhi for a daughter under 10, cover for parents
• Home and loans: rent or buy, prepay or invest, a loan that ends before you retire
• Your kind of income: salaried, government, business, seafarer or NRI
• Save the whole plan as a PDF, use the mix as your target, or create the goals in one tap
• Money left over after the goals is invested too — first to fix your mix, then by your long-term split

Name what the money is for.

Retirement, a child’s education, a house without a loan, an emergency fund, a car in 2029. Give each goal a cost in today’s money and a date, link the funds and assets that pay for it, and the app does the rest.

• A progress ring, and whether you are on track or behind
• What it needs each month, what is going in now, and the date you reach it on this pace
• The target grown for inflation, so the number is real on the day
• A warning when money needed within three years is still mostly in equity
• Plan against actual, month by month, with milestones at 25, 50, 75 and 100%
• Can you fund all of them at once? — every goal added up against what you invest
• A what-if slider: add more a month and watch the finish date move

When can you stop working?

The retirement planner works out your FI number — the corpus that covers your spending for life — and the age you reach it on what you invest now. Then it runs your money year by year to the age you plan for.

• FI number in today’s money, the year you get there and how far along you are
• Lean, Fat, Coast and Barista FIRE, side by side
• Advanced mode: spending by category, income streams, one-time events
• Seven stress tests: a 40% crash at retirement, lower returns, 8% inflation, living to 100 and more
• Probability of success from 1,000 replays of your plan
• Save scenarios and compare them in one table
• A FIRE plan report and a year-by-year projection to print

Planning the spend-down, not just the pile.

A single withdrawal rate has to be cautious enough for the worst year of thirty, which makes it too cautious for all the others. The staged drawdown plan prices each stage of retirement separately.

• Money for the next few years held safe; money for the far years allowed equity
• The same plan priced four other ways, so you see how much the assumptions matter
• Guarantee part of your spending for life with a pension, and see the catch honestly
• Buy that pension in tranches, a decade apart, priced side by side

How long will the money last?

Plan a monthly withdrawal from a corpus — your net worth, or one goal’s money — and see the year it runs out, or the most you could take each month and still last the distance.

• Withdrawals that rise each year with inflation
• Month-by-month table: opening, withdrawn, growth, closing
• Send the result to the retirement planner as income
• Track the SWPs you already take

Seven calculators, one tap from a goal.

Quick answers to the questions people ask most — and any answer can be saved as a goal.

• SIP
• Step-up SIP
• Lumpsum
• SWP
• Goal
• EMI and loan
• Inflation

Every chart shows what you put in against what it grows to, year by year.