For Indian working professionals
Three financial questions, answered in plain numbers.
When will I be debt-free? How large a retirement corpus do I actually need? And what can I afford to put aside every month to reach both? Freedom Planner works through those questions in order, showing the assumptions behind every figure.
Estimates, not guarantees. Your inputs never leave this browser.
Illustration: debt falling as corpus builds
Units: ₹ lakh, sample household
Where a salary goes
Units: ₹ thousand per month
Sample outcome
- Debt-free in
- 9 yr 2 mo
- Corpus needed
- ₹6.40 Cr
- Monthly path
- ₹41,500
How the plan is built
Four short steps. Each one only asks what it needs, and each result page explains the maths in plain language beside the chart.
01
Financial profile
Employment type, age, income stability, expenses, household, emergency fund and existing retirement assets.
Open step →02
Debt freedom
Add each loan on its own card, then compare no prepayment, reduce EMI and reduce tenure side by side.
Open step →03
Retirement corpus
Inflate persistent, healthcare and one-time costs separately, then see base, conservative and optimistic corpus estimates.
Open step →04
Funding path
Match the requirement against real surplus, protect the emergency fund first, and choose an allocation you can sustain.
Open step →
Principles we hold to
The planner is designed to be honest about uncertainty rather than confident about the future.
Progressive disclosure
Dependent questions appear only when they matter — self-employed income volatility, child education, prepayment charges.
Explain every result
Each output carries its formula summary, assumptions and a sentence describing what it means for you.
Scenario-first
Baseline, recommended and your own adjusted case sit next to each other. No single hero number.
No false precision
Outputs are labelled estimates, with sensitivity ranges wherever inflation, longevity or returns move the answer materially.
Consent and scope
Privacy by design
Before you act on the numbers