Section 3 of 3
A funding path you can actually sustain
The planner never allocates more than your surplus. Emergency reserves come first, then the goals you selected, with the trade-offs of each allocation stated plainly.
What are you funding?
Monthly surplus
₹22,500
Income less living costs and all EMIs.
Investable after safety net
₹16,875
Reserving part of the surplus to close a ₹3.45 L emergency-fund gap.
Required for chosen goals
₹33,962
Prepayment ₹10,000 + retirement ₹23,962.
Shortfall
₹17,087
See the smallest set of changes below.
Suggested allocation of the investing portion
Units: ₹ per month and % of the invested amount
Large-cap equity index 35% or ₹2,953, Flexi-cap equity 20% or ₹1,688, Debt funds & FD 25% or ₹2,109, EPF / PPF / NPS 12% or ₹1,013, Gold 8% or ₹675
| Asset category | Share | Monthly |
|---|---|---|
| Large-cap equity index | 35% | ₹2,953 |
| Flexi-cap equity | 20% | ₹1,688 |
| Debt funds & FD | 25% | ₹2,109 |
| EPF / PPF / NPS | 12% | ₹1,013 |
| Gold | 8% | ₹675 |
Assumption note: broad, diversified categories only — no specific security is named or endorsed. Rebalance annually.
Required monthly amount versus available surplus
Units: ₹ per month
Requirement ₹33,962, available surplus ₹16,875, and surplus after the editable 10% income-growth assumption ₹25,875.
Assumption note: the income-growth figure is your own editable assumption and is never presented as certain.
Where each surplus rupee goes
Units: ₹ per month
Debt prepayment ₹8,438, Retirement investing ₹8,438, Emergency fund top-up ₹5,625, Unallocated surplus ₹0
Assumption note: emergency top-up is capped at a quarter of surplus so progress on goals continues alongside it.
Projected corpus against target, with an uncertainty band
Units: ₹, by calendar year
Projected corpus grows towards ₹10.82 Cr by 2052. The shaded band shows a plausible range around the central path.
Assumption note: 11.0% pre-retirement return, contributions held level in rupee terms. Actual returns will vary year to year.
The plan does not fit your surplus yet
Allocation trade-offs
Same surplus, three ways to split it. Choose the one whose trade-off you are comfortable living with.
| Allocation | Interest saved | Retirement gap | Liquidity | Best suited to |
|---|---|---|---|---|
| Debt-first (70 / 30) | Highest | Closes later | Lower — money is locked into the loan | High-rate unsecured debt, low risk tolerance |
| Balanced (50 / 50) | Moderate | Narrows steadily | Moderate | Mixed loan book with 15+ years to retirement |
| Retirement-minimum (25 / 75) | Lowest | Closes soonest | Higher — market instruments stay accessible | Cheap secured debt, short accumulation runway |
Milestone schedule
Track it like a checklist. Record what was actually achieved, not just what was intended.
| Monthly action | Review | 12-month target | Status |
|---|---|---|---|
| Top up emergency fund | Next 12 months | ₹3.45 L | Not started |
| Extra loan prepayment | Rolling, reviewed quarterly | ₹1.01 L | Not started |
| Retirement investing | Monthly, auto-debit | ₹1.01 L | Not started |
| Full plan review | Annually or after a major life event | — | Not started |
Risks to keep in view
Market risk
Equity values fall as well as rise; a bad sequence near retirement hurts most.
Inflation risk
If inflation runs above assumption, the same corpus buys less.
Liquidity risk
Money locked in EPF, PPF or NPS is not available for emergencies.
Concentration risk
A single stock, sector or employer ESOP can dominate outcomes.
Credit risk
Debt funds and deposits carry issuer default and downgrade risk.
Tax variability
Slabs and capital-gains rules change; post-tax outcomes may differ.
Plan record
Calculated on 1 January 1970. Review this plan every twelve months, or immediately after a major life event such as a job change, a new loan, a birth, a serious illness, or a large windfall. All figures are educational estimates, not advice, and no return is guaranteed.