Finance tool
Investment Planner
The Investment Planner turns three inputs — how much you want to invest, your time horizon, and your risk comfort — into a suggested equity and debt allocation. It is a starting framework, not personalized advice.
The planning logic runs locally in your browser, so your numbers never leave your device.
Privacy & data handling
Browser processingThis tool processes your input locally in your browser. Nothing is uploaded to a server or sent to an external service.
Interactive tool
Investment Planner
₹12,96,871
after 10 years at 10% p.a.₹7,96,871
+159.4% total growth₹7,24,166
in today's money at 6% inflation₹5,00,000
38.6% of nominal corpus| Timeline | Principal Amount | Estimated Gains | Nominal Corpus | Inflation-Adjusted Value |
|---|---|---|---|---|
| Year 1 | ₹5,00,000 | +₹50,000 | ₹5,50,000 | ₹5,18,868 |
| Year 2 | ₹5,00,000 | +₹1,05,000 | ₹6,05,000 | ₹5,38,448 |
| Year 3 | ₹5,00,000 | +₹1,65,500 | ₹6,65,500 | ₹5,58,767 |
| Year 4 | ₹5,00,000 | +₹2,32,050 | ₹7,32,050 | ₹5,79,852 |
| Year 5 | ₹5,00,000 | +₹3,05,255 | ₹8,05,255 | ₹6,01,733 |
| Year 7 | ₹5,00,000 | +₹4,74,359 | ₹9,74,359 | ₹6,48,004 |
| Year 10 | ₹5,00,000 | +₹7,96,871 | ₹12,96,871 | ₹7,24,166 |
Calculation Principles:
• Nominal Corpus: Computed via annual compound growth: Corpus = Amount × (1 + r)^t.
• Inflation Adjustment (Real Value): Real Value = Nominal Corpus ÷ (1 + i)^t, which reflects the real purchasing power of the future corpus in today's money.
Regulatory Notice:
• No Guaranteed Returns: Market investments in equities, bonds, and mutual funds are subject to market volatility. Assumed returns are purely hypothetical approximations for planning purposes.
• Not personalized financial advice. Please consult a SEBI-registered investment adviser before allocating capital.
Overview
What does Investment Planner do?
Enter an investment amount, an investment horizon in years, and a risk preference (low, medium, or high), one per line. The tool returns a generic educational allocation example — it is not a recommendation, and asset allocation depends on your own goals and circumstances.medium, or high) later in the text. The tool returns a suggested split between equity and debt, plus a reminder that the result is educational.
Low risk leans toward debt, high risk leans toward equity, and a balanced profile gets a middle split.
Under the hood
How does it work?
The tool reads your amount and risk keyword. If the risk text contains low, it suggests a debt-heavy split; high suggests an equity-heavy split; anything else defaults to a balanced 50/35 split with the remainder in cash. The allocation is presented as a simple plan with the amount formatted for readability.
Key features
Features of Investment Planner
Use cases
When should you use Investment Planner?
First-time investing
Get a sensible starting allocation before you open an account or talk to a professional.
Risk self-assessment
See how your stated risk preference translates into an equity and debt mix.
Portfolio check
Compare your current holdings' balance against a suggested allocation for your risk level.
Step-by-step
How to use Investment Planner
- Step 1
Enter your investment amount and time horizon.
- Step 2
Select your risk tolerance.
- Step 3
Review the suggested investment plan.
Real example
Example
Before (input)
200000 low
After (plan)
Investment Plan (Rs 200,000) Allocation: Debt 70%, Equity 20% Educational purpose only.
A low-risk preference shifts the mix toward debt.
Technical information
How the details work
The first non-empty line is parsed as the investment amount (defaulting to 1,00,000 if missing), and the risk keyword is read from the third line. The output is a template allocation — it does not run portfolio optimization or consider your age, goals, or existing assets.
Privacy & security
Your data stays yours
All calculations happen locally in your browser. Your numbers are never uploaded or stored.
Local processing — files stay in your browser
- The planning logic runs on your device with no network requests.
- Nothing you enter is saved after the tab is closed.
- No account or data collection of any kind.
Limitations
What this tool does not do
- The allocation is a rule-of-thumb template, not personalized financial advice.
- It ignores your age, goals, existing investments, and tax situation.
- Markets fluctuate — past patterns do not guarantee future returns.
Frequently asked questions
Common questions about Investment Planner
Is this financial advice?
No. The plan is an educational starting point. For decisions involving real money, consult a SEBI-registered advisor or qualified planner.
How do I tell the tool my risk level?
Type low, medium, or high in the input. Low favors debt; high favors equity; medium gets a balanced mix.
Why does it not ask for my age?
This planner is intentionally simple. A fuller plan would weigh age, goals, and existing assets — a good reason to see a professional for large amounts.
Is my data private?
Yes. Everything runs in your browser and nothing is transmitted or stored.
Should I rebalance to this allocation?
Use it as a reference, not a mandate. Rebalancing involves taxes and timing, so review your situation before acting.
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