Smart Financial Planner helps you split monthly income into expenses, savings, stocks, and gold & silver ETFs with a visual chart for better money decisions.

A smart financial planner tool that helps you allocate your monthly income across essential expenses, lifestyle spending, and diversified investments in one place. It works like an online budget planner and investment planner, showing exactly how much to put into rent, groceries, transport, insurance, child education, dining, shopping, emergency fund, retirement, stocks or mutual funds, and even gold ETF and silver ETF for portfolio diversification.

This free financial planning calculator lets you enter your monthly income, choose custom percentage allocations, and instantly see a clear breakdown in rupees along with a colourful pie chart for quick visual understanding. It can be used as a monthly budget planner, savings planner, retirement planner and SIP-style investment planner because you control the percentage going into each goal.

By using this smart financial planner regularly, you can build better money habits, keep essential expenses within 50–60%, limit lifestyle spends to 20–30%, and grow long‑term wealth through systematic investments in equity, gold ETFs and silver ETFs. The tool requires no login, and is ideal for beginners who want a simple, interactive personal financial planning tool to manage cash flow and asset allocation.

How to use the Financial Planner tool?

1. Enter your total monthly income in rupees in the “Monthly Income (₹)” box.
2. For each category (rent, groceries, transport, insurance, education, lifestyle, savings, stocks, gold ETF, silver ETF), set the percentage you want to allocate.
3. Keep the total of all percentages at or below 100% to avoid over‑allocating your income.
4. Click “Calculate Plan” to see how much money (₹) goes to each category and how much remains unallocated.
5. Review the results section for the detailed breakdown and check the pie chart to visually understand your spending and investment mix.
6. Adjust the percentages and recalculate until the plan matches your financial goals (for example, higher savings or more in gold/silver ETFs).