Exactly how much to invest.
Exactly where.
There is a right answer for your money: your income, your EMIs, your kids, your goals. It just can't come from a thumb rule. So we test your plan against 250 different market futures and show you the split that holds up. Change anything, and we re-run everything.
Takes 5 minutes · No card · No sales calls, ever
The hardest question in money
Mutual funds grow faster, but they swing hard. FDs feel safe, but inflation quietly eats them. Gold does its own thing. So what's the right mix for you?
Honest answer: nobody can work it out in their head, not an advisor with a thumb rule and not a chatbot. It has to be tested. That's what we do: your actual numbers, run through 250 market futures: the good years, the crashes and the boring sideways decades, until one strategy clearly holds up best.
How it works
Tell us what's real
Your income, EMIs, kids' ages, the loans you actually have. Takes about five minutes, and you see a free report right away.
We test 250 futures
22 investment strategies, each facing the same 250 market storms across your whole life. Same storms for everyone, so the winner wins fairly rather than by luck.
You see honest ranges
Not one fantasy number. The typical path, a bad market and the worst markets, all in today's rupees.
You get the one move
Every plan has one lever that matters most right now. We tell you which one is yours, and what it buys you.
The engine behind it
The full method in a 7-page paper. Every formula checked independently, down to the rupee. Read the paper →
Move one lever. Watch your life move.
Here's a taste of it. See what an extra monthly investment does to when you can retire, and to what you leave behind. Your full plan has a dozen levers like this.
Drag to change it.
What we do differently
Built and checked by a team that includes a CFA charter holder, an IIM Ahmedabad MBA, a Chartered Accountant and a NISM-certified Investment Adviser.
Why not just ask ChatGPT?
We love AI, and we built parts of FinLaxmi with it. But ask a chatbot to plan your retirement and it will guess. It can't actually run 250 simulations, and it can't hold 450,000 connected formulas in its head: your EMIs feeding your cash flow feeding your investments feeding your retirement. It will give you a confident number that looks right. Yours might not be.
Here, every number comes from the engine. The AI in FinLaxmi does one job: it explains your numbers in plain words. It never makes one up.
Who's behind this
I built FinLaxmi because everyone around me had the same question, “am I doing the right thing with my money?” and nobody had a straight answer for them. Just products, commissions and thumb rules.
The straight answer takes real work: an engine that tests your plan properly. So we built one, published the math, and put our names on it. When your plan works, it tells you. When it doesn't, it tells you that too, with the smallest fix.
What users said
“It felt nice to imagine my retirement life enjoying the perks of my investment”
“I like that it doesn’t ask for too much information before showing something useful”
“It’s nice to have something that gives you that clarity, like where you stand, where you’re headed, and what to actually do about it.”
Free for your first year. Really.
After that, ₹4,999 a year, one flat fee and nothing else. No commissions, no products, no upsell. And the preliminary report is free before you even sign up.
- Your exact plan from the full engine, not ranges
- Every what-if: that car, that house, that career break
- An advisor's letter that explains your plan in plain words
- Recalculate all year as life changes
- Your data deleted on request, within 24 hours