How Plan Paisa Personalisation Works
Most finance websites give contradictory outputs because their calculators run in isolation. Plan Paisa is built on an interconnected mathematical Directed Acyclic Graph (DAG) where one unified profile powers every decision.
The Unidirectional DAG Calculation Flow
Real Constraints & Facts
Take-home pay, actual fixed rent, family dependants, EMIs, and employment stability.
Actual Disposable Surplus
Deduct all contractual commitments first. Never assume fictitious savings or arbitrary 50/30/20 cuts.
Liquidity & Protection First
Dynamic 3-tier emergency runway and Human Life Value insurance cover before aggressive risk-taking.
Inflation-Proof Roadmap
Goal-based SIPs and lifetime corpus longevity mapped from your current age to 100.
The 4 Pillars of Plan Paisa
Engineered with extreme precision for Indian personal finance realities.
No Repeated Forms or Contradictory Outputs
When you enter your income, essential expenses, or loan EMIs in any calculator, they are recorded in your centralized financial profile. If you adjust your rent or buy a new car, your emergency fund, monthly surplus, and retirement projections update consistently in real time.
Strict Separation of Facts, Commitments & Targets
We never count an investment contribution as available surplus, and then count that same contribution as an expense when calculating surplus. Calculations flow strictly: Profile → Cash Flow → Protection/Debt Checks → Goals → Prioritised Plan.
Real-World Constraints, Not Fictitious Savings
If your income is ₹1,00,000 and your commitments are ₹90,000, we don't pretend you can start a ₹30,000 mutual fund SIP. We clearly identify the shortfall, prioritize high-interest debt payoffs and emergency reserves first, and explain the consequences of every trade-off.
Lakhs, Crores, EPF, PPF, NPS & Indian Medical Inflation
Foreign financial tools don't understand Indian joint families, tier-1 metro hospital costs, reducing-balance EMIs, or 10% education inflation. Plan Paisa is crafted exclusively for the Indian economy.