Enter your goals and monthly surplus — get a ranked priority list with exact ₹/month allocation for each financial goal.
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🎯 Enter your financial goals below — the engine will rank them by urgency, return and time-criticality and tell you exactly how to split your monthly surplus.
💰 Monthly Surplus & Goals
Surplus₹30K
₹1K₹2.5L₹5L
Years25 yrs
3 yrs20 yrs40 yrs
Home Goal₹0
₹0₹50L₹1Cr
Education₹30 L
₹0₹50L₹1Cr
Debt₹0
₹0₹25L₹50L
Priority #1 Goal
Child Education
Highest priority based on urgency
📊 Recommended Surplus Allocation
💡 THE HIERARCHY PRINCIPLE: ORDER MATTERS MORE THAN AMOUNT
The sequence is: (1) Emergency fund, (2) High-cost debt, (3) Insurance, (4) Retirement SIP, (5) Near-term goals, (6) Long-term wealth. Investing before clearing 36% APR credit card debt destroys wealth. Starting retirement SIP at 25 vs 35 doubles the corpus. Sequence before allocation.
The order in which you tackle financial goals matters more than the exact amount you allocate. ₹10,000 invested in the wrong sequence can destroy more wealth than it creates. The goal priority engine uses urgency, interest rates, time-criticality and tax efficiency to rank your goals.
Should I save for retirement or my child's education first?+
Retirement comes first — always. You can take an education loan for your child; you cannot take a retirement loan. Additionally, retirement compounds over 20–35 years vs 10–18 years for education — the compounding advantage is irreplaceable.
What if I can't fund all goals simultaneously?+
Fund the highest-priority goal fully first, then add the next. Exception: if you can get employer EPF match by contributing to retirement, always capture that first — it's a 100% guaranteed return.