Your life plan
Every goal, planned together on your own numbers.
How your plan is built
Estimates use the equity, debt and gold mix you choose on the Investment mix step, and the returns you set for each under Assumptions. The optional risk self-check is for reflection only; it isn't a risk profile and doesn't set your mix. A SEBI Registered Investment Adviser can assess your risk profile and what suits you.
Each goal has its own pot. The savings and monthly investments you allocate to a goal count first, and the monthly amount shown covers the rest. Goals under 3 years assume all debt, 3 to 7 years a mix with less equity, and longer goals use the mix you chose; you can change the assumption on each goal. Retirement must pay your inflation-adjusted spending until the age you plan for. Monthly investments stop when you retire.
The year-by-year projection then runs your household forward: salaries rising, expenses rising with inflation, children's costs ending, EMIs until each loan is repaid, investments stepping up, and each goal paid when it's due. All of it rests on your assumptions; actual results will differ.
Common questions
Is this investment advice?
No. The life plan is an educational tool for awareness. Selvayana is not registered with SEBI as an Investment Adviser, and nothing here is a recommendation to buy, sell or hold any product. Please consult a SEBI Registered Investment Adviser before making any decision.
Where is my information stored?
Only in this browser on this device. Nothing is sent to anyone unless you choose to share your report.
What do Essential, Important and Nice to have mean?
They set the order in which goals get savings and SIPs when your budget can't cover everything. Retirement and Essential goals come first.
Why is Sukanya Samriddhi only offered for some goals?
Sukanya Samriddhi accounts can be opened only for a girl child under 10, with deposits of up to ₹1.5 lakh a year.
How often should I update my plan?
Every year, and after any big change such as a new job, marriage, a child, a home purchase or a large bonus.
Get your plan checked by a professional
Print or save your plan as a PDF and take it to a SEBI Registered Investment Adviser. They can assess your risk profile properly and give advice that's suitable for you.
How to find one