👨👩👧👦 Family Financial Plan
Every member, every rupee coming in and going out, every goal — and the part no other
tool here does: each existing investment mapped to the goal it will actually pay for, so the
conversation starts from what the family already has.
This states what the numbers do. It does not say what anybody should do about them.
Every figure below is an illustration built from the assumptions you enter. What a client is put into
follows from their goals, horizon and risk profile — and that is a conversation between them and you,
not an output of this page.
1Family members
Everyone in the household, earning or not. Ages drive nothing on their own — they are here
so the plan reads like a family, and so goals can be tied to a person.
2Earning members · income
Annual, net of tax — what actually reaches the bank.
3Family expenses
Monthly. Loans are listed separately below because their EMI and their outstanding
balance do different jobs — the EMI eats surplus, the balance eats net worth.
LOANS & EMIs
4Family goals
Cost in today's rupees — the plan inflates each one at its own rate, because
school fees and a car do not rise alike.
5Investments, savings & insurance
Everything they already own. "For which goal" is where this tool earns its keep —
tag an asset and it funds that goal; leave it blank and the plan maps it to the nearest goal that still
has a gap, and says so on the card.
INSURANCE COVER
% p.a.
Used only for money not yet invested. Each existing asset grows at its own rate, entered above.
6Goals mapped to what they already own
Each goal is funded first from earmarked assets, then from what is left of the monthly
surplus — nearest goal first, because a goal two years away cannot wait for a SIP to grow.
existing assets
future surplus
shortfall
Illustration only. Every figure on this page is produced by applying the assumed rates you entered to every single year. Real markets do not repeat a return, and real expenses do not inflate evenly, so no year will happen exactly as shown. Existing investment values are as you entered them, not as verified from any statement — the client's CAS, policy documents and account statements are the record. Mutual Fund investments are subject to market risks; read all scheme related documents carefully. This is not investment advice, not a guarantee of any return, and not a recommendation of any scheme or product.