Financial Planning FAQ

No. Every tool and answer here is general planning guidance only, not personalised investment advice. For advice specific to your situation, consult a qualified, registered financial advisor.

This site doesn't recommend a specific number — commonly cited ranges are 3–6 months of expenses for stable income, more for less predictable situations. Use the Emergency Fund Planner to turn your own chosen number of months into a target corpus and savings plan.

This site does not recommend or guarantee any specific rate of return — Expected Return is always something you enter yourself as a planning assumption in the Retirement Corpus Planner and Goal Savings Planner. Actual returns vary and are never guaranteed.

No. The Monthly Salary Breakdown calculator shows a gross figure only, before deductions like Income Tax, NPS/AGIF and insurance premiums — your actual take-home salary will be lower. Check your pay slip for the exact figure.

No. It only projects your personal savings/investment corpus. Use the Retirement Pension Calculator on this site separately to estimate your pension.

No. Version 1 of these planning tools does not model inflation or tax on investment gains — all figures are simplified planning estimates in today's rupees, before tax.

A Systematic Investment Plan (SIP) is a way of investing a fixed amount at regular intervals (commonly monthly) rather than a lump sum — the Retirement Corpus Planner and Goal Savings Planner on this site both model a monthly SIP. This is a general educational definition, not a recommendation to invest in any specific SIP or fund.

Inflation reduces what a given amount of money can buy over time, so a target corpus that looks large today may buy less by the time you reach it. This site's planners do not adjust for inflation (see above) — worth keeping in mind when interpreting a projected figure many years out.

Risk generally refers to the uncertainty that an investment's actual return could be lower than expected — or negative — rather than matching a fixed assumed rate. Every calculator on this site that uses an "Expected Return" is showing what a constant, guaranteed return would produce; real investments don't grow in a straight line. This is general education, not a risk assessment of any specific product.

Diversification generally means spreading money across different types of investments (e.g. equity, debt, gold) rather than concentrating it in one, so that a poor outcome in one area doesn't affect the whole portfolio equally. This site does not model a mixed portfolio or recommend any specific allocation — it's a general concept worth discussing with a qualified financial advisor for your own situation.