Investment Planner 2026: Your Complete Financial Roadmap
India's most complete planner for salaried professionals. Enter portfolio → income → goals → liabilities — get a personalised investment roadmap with retirement projection & free Excel.
👤 Your Profile
🏦 Current Portfolio
Add every asset you own — cash, stocks, MF, FD, property, gold, NPS, PPF
Total Assets
₹7.30L
At Retirement
₹5.24L
in 28 yrs @ 3.5%
At Retirement
₹83.59L
in 28 yrs @ 12%
At Retirement
₹13.64L
in 28 yrs @ 7.5%
＋ Add Asset Type
📊 Portfolio Breakdown
Ideal equity for age 32: 68%📥 Download Your Complete Financial Plan
Net Worth: ₹7.30L · Health: 95/100 · Retire Ready: 100% · Goals: 3
4 sheets: Summary · Goals · Portfolio · Action Plan · Free, no sign-up
📖 How to Use ProfitNifty Investment Planner (7 Steps)
Add all assets — savings, mutual funds, stocks, FD, real estate, gold, NPS, PPF
Include salary, spouse income, business, rentals with growth rates
Define retirement, home, education, car targets with inflation adjustment
Enter all loans to check FOIR and remaining loan capacity
Monthly housing, food, transport, utilities for cash flow analysis
SIPs, NPS, EPF, Gold, ETFs
View health score, retirement readiness, SIP gaps & download Excel
💡 Pro Tip: Complete all 7 steps for accurate results
The planner calculates your Financial Health Score (0-100), Retirement Readiness %, and exact SIP needed per goal. Download your 4-sheet Excel plan at the end — no signup required.
Frequently Asked Questions — Investment Planner
How to build a complete financial plan for Indian salaried professionals
How do I build a complete financial plan in India?▾
A complete financial plan covers 6 areas: (1) Net worth snapshot — all assets minus liabilities; (2) Cash flow — income minus expenses, EMIs, investments; (3) Goal-based investing — SIP amounts for each goal; (4) Insurance review; (5) Tax optimisation — 80C, NPS, HRA; (6) Retirement corpus planning. This 6-step planner covers all areas in under 10 minutes.
How much retirement corpus do I need in India?▾
The standard formula: Corpus = Annual Expenses at Retirement ÷ Safe Withdrawal Rate (3.5–4%). For ₹60,000 monthly expenses today, inflated at 6% over 25 years, you need roughly 25–30× your retirement annual expenses. ProfitNifty uses your actual expense data, inflation rate and post-retirement return to calculate your precise, personalised target.
What is FOIR and why does it matter for home loans?▾
FOIR (Fixed Obligation to Income Ratio) = Total Monthly EMIs ÷ Gross Monthly Income. Banks require FOIR below 40–50% for home loan approval. Above 50% FOIR severely constrains savings and loan eligibility. Reduce FOIR by prepaying the highest-interest loan first (avalanche method). This planner shows your live FOIR and warns if you are above the safe limit.
How much SIP do I need for each goal?▾
SIP needed = Target × (r / ((1+r)^n − 1)) where r = monthly return (12% p.a. = 1%/mo) and n = months to goal. For ₹50L in 5 years: ≈ ₹60,000/mo SIP. Same goal in 10 years: ≈ ₹22,000/mo — starting early halves the SIP needed. The Goals step calculates this automatically per goal with inflation adjustment.
What is the 100-minus-age rule for asset allocation?▾
Equity allocation % = 100 minus your current age. At 30: 70% equity, 30% debt. At 45: 55% equity, 45% debt. At 60: 40% equity, 60% debt. Some planners use 110 or 120 minus age for longer life expectancy. The Allocation tab shows your current equity % vs ideal for your age and flags if you are under- or over-allocated.
Should I include Sukanya Samriddhi Yojana (SSY) in my portfolio?▾
Yes. SSY offers 8.2% p.a. (FY 2025-26) with full EEE tax exemption under Section 80C — one of the best risk-free returns available. Add it as "Sukanya / APY" in the Portfolio step. Atal Pension Yojana (APY) guarantees ₹1,000–₹5,000/month pension at 60 — add it as a future income source in the Income step.
How is the Financial Health Score calculated?▾
The health score (0–100) starts at 70 and adjusts: savings rate 20%+ adds 10 points, below 10% deducts 15; FOIR below 35% adds 5, above 50% deducts 15; retirement readiness above 80% adds 10, below 40% deducts 10; emergency fund of 6 months' expenses adds 5 points. Score ≥75: Healthy. 50–75: Needs Work. Below 50: At Risk.
What makes this different from a single SIP calculator?▾
A standard SIP calculator only projects one investment. This planner combines your entire portfolio, all income sources, every goal with inflation-adjusted SIP, liabilities and FOIR analysis, expense tracking, retirement corpus, and a personalised action plan. No other free tool in India offers this integrated 6-step approach. Use our dedicated SIP Calculator for step-up SIP analysis and Retirement Planner for SWP planning.
Can I download my complete financial plan as Excel?▾
Yes — free, no sign-up. Click "Download Free Financial Plan (4 Sheets)". You get: (1) Financial Summary — net worth, cash flow, FOIR, retirement; (2) Goals Analysis — inflation-adjusted targets and SIP per goal; (3) Portfolio — assets with projected retirement values; (4) Prioritised Action Plan with ₹ amounts. Works in Excel, LibreOffice and Google Sheets.
What is the best investment plan for 2026 in India?▾
For 2026, the best investment plan depends on your risk profile: Equity Mutual Funds (11-13% returns) are best for long-term wealth creation with ELSS tax benefits. PPF (7.1-8.2%) offers guaranteed tax-free returns for conservative investors. NPS provides additional ₹50K tax deduction under 80CCD(1B). Use our investment planner to find the optimal mix based on your age, income, and goals.
How much SIP is needed for ₹1 crore in 10 years?▾
To accumulate ₹1 crore in 10 years with 12% expected returns, you need to invest approximately ₹43,000 per month via SIP. At 15% returns, the required SIP drops to ₹36,000/month. Starting early is crucial — delaying by just 2 years increases the monthly SIP by 30%. Use our SIP calculator to get precise numbers based on your target amount and timeline.
What is the ideal FOIR percentage for home loans?▾
Banks in India typically require FOIR below 40-50% for home loan approval. For a ₹1 lakh monthly salary, your total EMIs (existing + new home loan) should not exceed ₹40,000-₹50,000. If your FOIR is above 50%, prepay high-interest loans first or increase your down payment to reduce EMI burden. Our FOIR calculator in the Liabilities step shows your exact ratio and remaining loan capacity.
How do I start investment planning as a beginner?▾
Follow these 6 steps: (1) Calculate net worth — list all assets minus liabilities; (2) Set SMART goals — retirement, home, education with specific amounts; (3) Use 100-minus-age rule — at 30, keep 70% in equity; (4) Start SIPs — even ₹5,000/month compounds significantly; (5) Build emergency fund — 6 months expenses in liquid assets; (6) Review annually — rebalance portfolio and step up SIPs by 10% yearly.
📖 How to Calculate Retirement Corpus in India (2026 Guide)
Retirement planning in India requires accounting for three key variables: inflation (6–7% historically), post-retirement return on corpus (7–8%), and longevity risk (plan for age 90+).
Step 1 — Estimate monthly expenses at retirement: Take your current monthly expenses and inflate them. At 6% inflation, expenses double every 12 years. ₹50,000/mo today = ₹1.6L/mo in 25 years.
Step 2 — Calculate corpus needed: Use the annuity formula — Corpus = Monthly Expense × (1 − (1 + r)^−n) / r where r = post-retirement monthly return (8%/12 = 0.67%) and n = retirement months (85 − 60 = 25 years × 12 = 300 months). This gives the lump sum needed on Day 1 of retirement.
Step 3 — Monthly SIP to build this corpus: SIP = Target Corpus × r / ((1+r)^n − 1) where r = 12%/12 = 1%/month and n = months to retirement. Starting at age 30 for a ₹3 crore target by 60: SIP ≈ ₹14,300/mo. Starting at 40: ₹47,500/mo — 3.3× higher for the same corpus.
India-specific factors: EPF/NPS accumulation offsets required SIP. Old-age health costs often exceed general inflation. Consider a ₹10L+ health corpus separate from retirement corpus. The Retirement Planner tab in ProfitNifty's Investment Planner calculates all of this using your actual data.
📖 FOIR Calculator: The Loan Eligibility Secret Every Salaried Indian Must Know
FOIR (Fixed Obligation to Income Ratio) = Total Monthly EMIs ÷ Gross Monthly Income × 100. It is the single most important number banks check before approving any loan in India.
Bank benchmarks: SBI, HDFC, ICICI typically cap FOIR at 40–50%. For a ₹1L salary: maximum safe EMI = ₹40,000–₹50,000/month. Any existing car or personal loans directly eat into your home loan eligibility.
Current FOIR = 23% · Remaining capacity for home loan = ₹17–27K/mo
→ Max home loan EMI: ₹27K → ~₹35L loan at 8.5% for 20 years
To improve FOIR: Prepay personal loans first (highest interest, faster closure), avoid new consumer loans, close credit card outstanding before applying for home loan. Each ₹5,000 reduction in monthly EMI increases home loan eligibility by ~₹6.5L at 8.5% for 20 years.
Use the Liabilities step in this Investment Planner to enter all your loans and see your live FOIR with a red warning if above the 40% safe threshold.
📖 100-Minus-Age Rule: Asset Allocation Guide for Indian Investors
The 100-minus-age rule is a simple heuristic for equity allocation: Equity % = 100 − Your Age. At 30: 70% equity, 30% debt. At 50: 50% equity, 50% debt. Modern planners often use 110 or 120 minus age to account for longer life expectancy and higher inflation.
Why equity over the long term: Sensex has delivered ~14% CAGR over 30 years. Inflation averages 6%. Fixed deposits (7%) barely beat inflation after tax. Only equity consistently delivers 3–5% real returns above inflation over 10+ year horizons.
Practical asset class guide for India:
| Asset Class | Expected Return | Best For | Tax Treatment |
|---|---|---|---|
| Equity MF (ELSS) | 11–13% CAGR | Long-term wealth, 80C benefit | LTCG 12.5% above ₹1.25L |
| PPF / EPF | 7.1–8.25% | Guaranteed, EEE tax benefit | Fully tax-free (EEE) |
| NPS (Tier 1) | 9–11% | Retirement corpus, 80CCD(1B) ₹50K | EET — 60% tax-free at maturity |
| Sukanya (SSY) | 8.2% | Girl child education/wedding | Fully tax-free (EEE) |
| FD / RD | 6.5–7.5% | Short-term goals, capital safety | Taxed at income slab |
| Gold (SGBs) | 7–9% | Hedge, diversification | Tax-free at maturity (SGB) |
* Returns are indicative historical/projected. Actual returns vary. Consult a SEBI-registered advisor for personalised advice.
📖 How to Calculate Your Net Worth in India (And Why It Matters)
Net Worth = Total Assets − Total Liabilities. It is the single most important number in personal finance — a snapshot of your financial health at any point in time. Tracking it quarterly reveals whether you are genuinely building wealth or just earning and spending.
What counts as an asset: Savings and FD balances · Equity MF and direct stock portfolio · Real estate market value (not purchase price) · Gold and jewellery at current price · EPF, PPF, NPS corpus · Business ownership stake · Any other investment with realisable value.
What counts as a liability: Home loan outstanding · Car loan · Personal loan · Education loan · Credit card dues · Any other debt obligation.
Common mistakes in India:
- Including ancestral property at purchase price — always use current market value
- Forgetting EPF balance (check EPFO portal or employer payslip)
- Ignoring credit card outstanding as a liability
- Double-counting home loan — if you have a ₹80L home with ₹50L loan outstanding, asset = ₹80L, liability = ₹50L, net contribution = ₹30L
Net worth milestones by age (Indian context, ₹):
| Age | Starter (₹8–12L salary) | Mid-career (₹15–30L) | Senior (₹30L+) |
|---|---|---|---|
| 30 | ₹5–15L | ₹20–50L | ₹50L–1Cr |
| 35 | ₹20–50L | ₹60L–1.5Cr | ₹1.5–3Cr |
| 40 | ₹50L–1Cr | ₹1–3Cr | ₹3–6Cr |
| 45 | ₹1–2Cr | ₹2–5Cr | ₹5–10Cr |
| 50 | ₹1.5–3Cr | ₹4–8Cr | ₹8–15Cr |
* Indicative ranges based on typical savings patterns. Actual net worth depends on income trajectory, lifestyle choices and investment discipline. These are not targets — use them as rough benchmarks only.
Use the Portfolio + Liabilities steps in this Investment Planner to calculate your exact net worth and see it update live in the hero bar above.
Built by ProfitNifty
Personal finance platform for Indian salaried professionals · Smart Money for Every Indian Salary
⚠️ Disclaimer: This investment planner is for educational purposes only and does not constitute personalised financial advice. Projections are based on assumed return rates and user inputs — actual results will vary with market conditions, inflation and individual circumstances. ProfitNifty is not a SEBI-registered investment advisor. Consult a SEBI-registered financial planner or CFP before major investment decisions. | profitnifty.in · Smart Money for Every Indian Salary.