Goals and cash-flow illustration
Prepared for —, age 30 · Generated on 8 November 2026 · Health score 0/100
Illustrative self-service calculation, not investment advice. Every figure is an illustration based on what you entered and the assumptions shown.
Monthly cash flow
Income ₹0 Needs ₹0 (0%) Wants ₹0 (0%) EMIs ₹0 (0%) Surplus ₹0 Currently allocated ₹0 Not yet allocated ₹0 Net worth ₹0 Surplus = income − needs − wants − EMIs. Saving and investing are allocations of this surplus.
Goals
No goals entered.
Loans and EMIs
No loans entered.
Retirement
Planned Retirement Age 60 Plan until age 85 Corpus needed ₹0 Assets at retirement ₹0 Projected corpus ₹0 Gap ₹0 Required SIP ₹0 Protection
Term cover needed ₹0 Additional term cover ₹0 Health cover needed ₹15,00,000 Health cover gap ₹15,00,000 Can your surplus fund all of this?
| Priority | Target Year | Required SIP | Allocated SIP | Funded |
|---|
| Emergency Fund | 2027 | ₹0 | ₹0 | 100% |
| Protection premiums | 2026 | ₹1,125 | ₹0 | 0% |
| Retirement Corpus | 2056 | ₹0 | ₹0 | 100% |
| Total | — | ₹1,125 | ₹0 | — |
Available surplus ₹0 a month; shortfall ₹1,125.
Action plan
- Consider a family health cover of ₹15,00,000.
- You are on the new regime, so choose investments for your goals rather than for deductions.
- A 5–10% annual SIP step-up could close part of the shortfall as your income grows.
- Review this illustration once a year, and whenever your income, family or goals change.
Assumptions you can change
Inflation (%) 6% Return after retirement (%) 8% Return, up to 3 years (%) 6.5% Return, 3–7 years (%) 9% Return, over 7 years (%) 12% Annual SIP step-up 0% Risk profile Moderate Two Plus Two Nine · Ashok Kumar Saini · ARN-171746 · AMFI-registered Mutual Fund Distributor
Illustrative self-service calculation, not investment advice. Two Plus Two Nine is not a SEBI-registered Investment Adviser.
This calculator is for illustration only and does not represent actual returns. Two Plus Two Nine (ARN-171746) is an AMFI-registered Mutual Fund Distributor, not a SEBI-registered Investment Adviser; information here is not investment or tax advice.
Generated on 8 November 2026 · https://twoplustwonine.in/en/plan
Goals and cash-flow calculator
Enter your income, expenses, goals, investments and cover. Everything is computed in your browser, and nothing is sent to us unless you choose to share it.
Illustrative self-service calculation, not investment advice. Every figure is an illustration based on what you entered and the assumptions shown.
Completion Progress 6% Personal Expenses Goals Investments Insurance Analysis Personal & Family Information
Provide details about yourself and your spouse to create a comprehensive family investment plan
Primary Applicant
Full Name * Age * Occupation Monthly take-home income (₹) * In-hand salary or business income after tax and deductions.
Spouse Information (Optional)
Spouse Name Spouse Age Spouse Occupation Spouse monthly take-home income (₹) Kids Information (Optional)
Child 1
Name Age Child 2
Name Age Tip: If your child is still in the planning phase (not yet born), you can use negative years for age (e.g., -2 for 2 years from now) and use an imaginary name for planning purposes. Additional Information
Number of Dependents Parents or others you support, besides your spouse and children.
Current Location City Planned Retirement Age Plan until age Pre-existing medical conditions Tax regime you use Annual SIP step-up Risk profile Previous Next Take your plan with you
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Illustrative self-service calculation, not investment advice. Every figure is an illustration based on what you entered and the assumptions shown.
This calculator is for illustration only and does not represent actual returns. Two Plus Two Nine (ARN-171746) is an AMFI-registered Mutual Fund Distributor, not a SEBI-registered Investment Adviser; information here is not investment or tax advice.
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