It asks the questions your CA should have asked. Takes about 8 minutes. Gives you a real plan, not a generic one.
Full pictureIncome, debt, savings, goals all mapped. No more guessing what is left.
Modern investingIndex funds over endowments. Liquid funds over idle savings. No outdated traps.
AI analysisYour numbers go to an AI financial advisor. Output looks like a plan, not a chat.
About 8 minutes. Your future self will thank you.
Your data never leaves your browser. No account. No database. Close tab and it is gone.
Step 1 of 9
Your data never leaves this page
Step 1 of 9 - Let's start with you
First, who are we planning for?
Age, city, family - these completely change what good financial decisions look like for you.
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Step 2 of 9 - Income first
What comes in every month?
In-hand salary. Not CTC. What actually hits your account.
Income minus Savings equals Expenses. Not the other way around. You will see why this matters in a moment.
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Step 3 of 9 - The savings you forgot you had
Some of your money is already working. Let's find it.
EPF, NPS feel like losses on your payslip. They are not. They are future-you getting paid first.
NPS active - 10% of your basic to retirement plus 14% from government. 24% automated retirement saving already running.
No automatic safety net. Your emergency fund and voluntary investing matter even more. We will build that in.
Step 4 of 9 - Your biggest fixed cost
Rent or loan - housing is your largest monthly commitment.
No judgment. Just the honest number to build an honest plan.
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Step 5 of 9 - Obligations before opportunities
All debts on the table. Every single one.
No shame in debt. The only mistake is not having a plan for it.
Debt is not the enemy. Expensive debt with no payoff plan is. Some here become Priority Zero before any investment.
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Credit card trap. 36-42% annual interest. Minimum due means the balance barely moves. Priority Zero before any SIP.
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Local lender debt is a trap. 3% flat monthly sounds small. On Rs.1 lakh, you pay Rs.3,000/month in interest alone - that is 36% flat or roughly 60-72% effective annual. No investment justifies keeping this. This is Priority Zero in your plan.
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Step 6 of 9 - The part everyone skips
Insurance is not an investment. It is the reason your plan does not collapse.
Not selling anything. Just checking if the safety net exists.
One medical emergency without cover can wipe out 5 years of savings.
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Step 7 of 9 - Where it actually goes
Now the honest part.
Most people underestimate expenses by 20-30%. Think about last month specifically. The plan is only as good as the honesty you put in.
We are not judging your Swiggy habit. We are showing you what it costs your future.
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Step 8 of 9 - What is already working
Savings mapped. Expenses mapped. Now what is already invested?
Tell us what you are actually doing, not what you plan to do. We will not double count what is captured above.
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Step 9 of 9 - Last one. Promise.
What are we actually building toward?
A plan without goals is just math. You do not need it all figured out - just start aiming at something.
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Building your plan...
The AI is reading your specific situation - takes a moment
Mapping income and mandatory savings
Calculating EPF and retirement picture
Analysing your debt priorities
Checking insurance gaps
Running AI financial analysis
Building your personalised plan
Here is the truth about your money.
Plan available for 30:00 - close tab and it is gone
Monthly Cash Flow
Interest Bleeding Every Month
Financial Health Scorecard
Financial Advisor Analysis
AI Financial Advisor
Analysis for you
Analysing...
Running analysis...
Recommended Investment Split
Idle Money Opportunity
Goal Tracker
Priority Action List
Red = do this month | Yellow = this quarter | Green = when ready
Take It Further
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Download Your Plan
Designed PDF with your cash flow, scorecard, investment split and action list.
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Ask an AI About This
Ready-made prompt with your actual numbers pre-filled. Paste into ChatGPT, Claude or Gemini for a deeper conversation.
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Talk to a Professional
Message template with your full brief. Drop to any CA or financial advisor - no awkward first conversation.
Disclaimer
This plan is for educational and self-planning purposes only. It does not constitute financial advice. Decision Ledger is not a SEBI registered investment advisor. All calculations are estimates. Consult a qualified CA or financial advisor before making any financial, investment, or insurance decisions. Your data exists only in this browser tab and is never stored or transmitted beyond the AI analysis request.
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