👤 Basic Information

Current Age i
Your current age in years. This determines your investment horizon and retirement timeline.
Target Retirement Age i
The age at which you plan to retire. Typically 60-65 years. Earlier retirement requires more aggressive saving.

💵 Income & Savings

Annual Gross Salary (₹) i
Your total CTC. Tax calculated using Indian slabs (approximate).
Current MF SIP Investment (₹/month) i
Regular monthly investment in mutual funds/SIPs. Recommended: 20-30% of monthly income for long-term wealth building.
Annual SIP Step-up (%) i
Yearly increase in SIP amount. Recommended: 10-15% to match salary increments and beat inflation.
Current SIP Portfolio (₹) i
Total current value of your mutual fund/SIP investments. Check your portfolio statement or app.

🏠 Expenses & Liabilities

Monthly Living Expenses (₹) i
Essential monthly expenses: rent, utilities, groceries, transport, etc. Exclude EMIs, investments, and discretionary spending. Ideally upload bank statements for accurate calculation.
Home Loan Outstanding (₹) i
Remaining home loan principal. Check your latest loan statement. This affects your insurance needs and prepayment strategy. Enter 0 if no loan.
Home Loan Interest Rate (%) i
Annual interest rate on your home loan. Check your loan agreement. Typical range: 8-9% for home loans in India. Leave at 8.5 if no loan.
Property Value (where loan is running) (₹) i
Current market value of property with home loan. For net worth calculation.

🏦 Assets & Emergency Fund

Bank Balance + Liquid Funds (₹) i
Cash in savings accounts and liquid mutual funds. These are your immediately accessible funds for emergencies.
Emergency Fund Target (₹) AUTO-CALCULATED i
Recommended: 6 months of expenses + 1 year of EMIs. This is NOT just cash in bank - it's a strategic allocation across: (1) 40% in savings bank account for instant access, (2) 40% in liquid mutual funds (1-day withdrawal), (3) 20% in ultra-short debt funds (3-5 day withdrawal). This covers job loss, medical emergencies without disrupting long-term investments. Auto-calculated based on your inputs.
Direct Equity Holdings (₹) i
Stocks you own directly (not through mutual funds). Check your demat account. Higher risk, higher potential returns. Enter 0 if none.
Gold Holdings (₹) i
Physical gold, gold ETFs, sovereign gold bonds, digital gold. Current market value.
Real Estate - Loan-Free (₹) i
Properties you own WITHOUT running loans. Do NOT include property with home loan. Enter 0 if none.
Other Assets (₹) i
Bonds, cryptocurrency, commodities, art, collectibles. Total current value.

🛡️ Insurance

Current Life Insurance Cover (₹) i
Total death benefit from all term insurance policies. Check policy documents. Does NOT include ULIP or endowment maturity value. Enter 0 if none.
Recommended Life Cover (₹) AUTO-CALCULATED i
Suggested coverage: 10x annual salary + outstanding loans. At 10% interest, this generates annual income to replace your salary + covers debts. Auto-calculated.
Annual Insurance Premium (₹) YEARLY i
Total yearly premium for all term insurance policies. For ₹4.5Cr cover at age 34, expect ₹30-40K/year. Check with insurers for exact quotes. Enter 0 if no insurance.

🎯 Life Goals

Children's Ages (comma-separated) i
Enter ages separated by commas. Example: "4,7" for two children. Leave blank if none.
Current Annual Education Costs (₹, comma-separated) i
Yearly expenses per child. Example: "200000,150000". Inflates 8%/year, spikes 4x for ages 18-22.
Annual Holiday Budget (₹) i
Your yearly vacation spending. We'll increase this faster than regular inflation (12% vs 6%) because lifestyle aspirations grow with wealth. Enter 0 if not planning vacations.

🏖️ Retirement Planning

Retirement Corpus Needed (₹) AUTO-CALCULATED i
Amount needed at retirement to sustain your lifestyle for 25 years. Based on projected expenses at age 60, accounting for inflation. Auto-calculated using 4% withdrawal rule.
Post-Retirement Return (%) SUGGESTED: 8% i
Conservative returns after retirement. Mix of debt (60%) and equity (40%). Typical: 8%. Need regular income with lower risk.

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