FINANCIAL FREEDOM. ALL YOUR MONEY DECISIONS. ONE PLACE.
Know where you stand. Know where you're going.
Retirement, insurance, investments — every financial decision starts with knowing your numbers.
Am I on track?
Find out how much you need and when you can stop worrying about money.
Calculate My Number →Is my portfolio invested right?
Underperforming funds, overlap, expensive plans — most portfolios silently leak 1-2% every year. That's ₹3-4 Lakhs on a ₹2 Cr portfolio.
Find Out in 30 Seconds →9 Brokers Supported · 15+ Financial Tools · Trusted by Indian Families
Your Journey to Financial Freedom
Just 4 steps. Completely free.
Build Your Complete Plan
Add life goals, review insurance, check loans — get your total plan.
10 minutes · Save your progressBuild Your Plan →Stress Test It
1,000 simulations. 45 years of market data. See if your plan survives.
3 minutes · Know your oddsTest Your Plan →Track & Grow
Add your investments. See live returns. Watch your freedom get closer.
Ongoing · Your personal dashboardStart Tracking →Done with the basics? Sharpen your plan.
These tools help you explore smarter options — a cheaper city, a backup plan, or a better investment strategy.
City Finder
Compare retirement costs across 62 Indian cities. Your money goes further in the right place.
Compare Cities →Plan B — Relocation
What if your corpus isn't enough? See how relocating to a lower-cost city changes everything.
See Plan B →Reverse Mortgage
Own a home? See how much monthly income it could generate — without selling it.
Calculate →Where to Invest Now
Get a personalised allocation strategy based on your age, risk profile, and freedom timeline.
Get Strategy →What Professionals Are Saying
FINNCAL gave me clarity I couldn't find anywhere else. The India-specific calculations and realistic assumptions made me realize I was closer to financial freedom than I thought. Finally, a tool built for how we actually plan retirement here.
As someone who's evaluated many financial tools, FINNCAL stands out for its simplicity and depth. The stress testing feature showed me exactly how my portfolio would perform across market conditions. It's now part of my annual financial review.
Most retirement calculators use Western assumptions that don't apply to India. FINNCAL gets it right — the inflation rates, the asset allocation, the safe withdrawal strategy. I recommend it to my clients who want a realistic picture of their retirement needs.
As an academic, I've always believed in data-driven decisions — but my own retirement planning was based on guesswork. FINNCAL changed that completely. The comprehensive calculator showed me exactly where I stood, the insurance advisor revealed gaps I hadn't considered, and the city finder helped me compare post-retirement options I never knew existed. For the first time, I have a clear, confident financial plan — and I've already saved significantly by optimizing my corpus strategy. I recommend this to every colleague approaching retirement.
Why Trust FINNCAL?
Your financial data is sensitive. Here's how we protect it.
Privacy First
All calculations run in your browser. Your financial numbers never leave your device.
No data sent to serversYour Data, Your Control
Create an account only if you want to save your plan. Delete your data anytime with one click.
Delete anytimeBuilt for India
Indian inflation rates, tax rules, and market data. Not a Western calculator with ₹ symbols.
India-specific assumptionsTransparent Methodology
Our calculations use published research and historical Indian market data. No black boxes.
Open methodology