Comprehensive Financial Planning

Client's Family Profile

Turn your wishes into reality.

Prepared For

Client Name

Family details

Prepared By

Advisor Name

Safal Investment

🧑‍💼 Advisor Details

Advisor Name

Firm Name

Advisor Phone

Advisor Email

👨‍👩‍👧‍👦 Family Members

Editable inputAuto-calculated

Client (Self) — Name

Date of Birth

Client Age (Auto)

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Spouse — Name

Date of Birth

Spouse Age (Auto)

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Child 1 — Name

Date of Birth

Child 1 Age (Auto)

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Child 2 — Name

Date of Birth

Child 2 Age (Auto)

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Retirement Horizon

Planned Retirement Age

Life Expectancy

Years to Retirement

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Retirement Duration

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Key Assumptions used across every goal

Inflation Rate (%)

Debt / Conservative Return (%)

Equity Return — Pre-Retirement (%)

Post-Retirement Return (%)

Human Life Value Method

Life Insurance — Protection Required

How much life cover the family needs, pulling goal totals in automatically.

A · Annual Household Expenses

Household + Rent (Annual ₹)

Family Vacations (Annual ₹)

Lifestyle & Miscellaneous (₹)

Total Household Expenses (A)

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B · Less: Personal Expenses of Insured

Personal Expenses of Insured (₹/yr)

Net Annual Family Expenses (A−B)

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C · Income Replacement Corpus

Working Years Remaining

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Total Corpus Required

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D · Add: Additional Financial Obligations

Children's Education Fund (auto, present value)

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Children's Marriage Fund (auto, present value)

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Outstanding Loans / Liabilities (₹) — auto-filled, editable

E · Less: Existing Life Insurance Cover

Existing Life Insurance Cover (₹) — auto-filled, editable

Total Protection Required

Total Protection Required (₹)

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Status

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Goal Planning

Children's Education Goals

Under-graduation and post-graduation funding for both children.

Goal Planning

Children's Marriage Goals

Plan the celebration — without the financial stress.

Goal Planning

Retirement Planning Calculator

Build the corpus that funds retirement — forever.

A · Goal Details pulled from Client & Family

Client's Current Age

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Retirement Age

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Life Expectancy

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Years to Retirement

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B · Expenses

Current Monthly Household Expense (₹)

Expense Replacement Ratio (%)

Reduced Monthly Expense (₹)

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C · Corpus Required

Future Monthly Expense at Retirement

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Future Annual Expense at Retirement

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Net Retirement Corpus Required

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Monthly Investment Required

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Yearly Investment Required

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Lump Sum Required Today

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D · Existing Provisions

EPF / PPF Current Balance (₹)

Other Stocks / Investments (₹)

FD / Other Savings (₹)

Expected Return on Existing (%)

Future Value of Existing Savings

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Additional Corpus Still Needed

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Additional Monthly Investment Needed

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E · Life Insurance — Product Details

Product Type

Product / Company Name

Annual Premium (₹)

Sum Assured / Life Cover (₹)

Expected Maturity Amount (₹)

Regular Income / Year (₹)

Income Duration (Years)

Total Benefit from LI

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F · Gap Analysis & Equity Shortfall Cover

Shortfall (Gap to Cover)

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Coverage by LI

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Goal Status

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Equity Monthly Investment Needed

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Total Monthly Outgo (LI+Equity)

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Total Annual Outgo (LI+Equity)

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Goal Planning

Wealth Creation Calculator

Investment · Lump Sum · Step-Up — your money, working harder.

A · Investment Inputs

Target Wealth / Corpus Goal (₹)

Investment Horizon (Years)

Expected Annual Return (%)

Inflation Rate (%)

Monthly Investment (if known, ₹)

One-Time Lump Sum (if known, ₹)

Annual Step-Up Rate (%)

B · How Much to Invest — Reverse Calculation

Monthly Investment Required

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Yearly Investment Required

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Lump Sum Required Today

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Real (Inflation-Adj.) Return

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C · Forward Projection

FV of Monthly Investment

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FV of Lump Sum

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Combined Future Value

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Wealth Gain (Profit)

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D · Step-Up Investment Approximation

Approx. Final Corpus with Step-Up

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Already Invested?

Existing Assets, Investments & Liabilities

Enter what the client already has — insurance, PPF, mutual funds, FDs, other assets and loans — so we can show the real shortfall after accounting for it.

🛡️ Existing Life Insurance Policies

Policy	Company	Premium (₹/yr)	Sum Assured (₹)	Maturity Corpus (₹)	Bonus Accrued (₹)

🏦 PPF / PF Accounts

Account	Bank / Post Office	Current Value (₹)	Annual Contribution (₹)	Expected Value at Goal (₹)

📈 Mutual Fund / SIP Investments

Fund	Current Value (₹)	Monthly SIP (₹)	Remaining Years	Expected Return (%)	Future Value (auto ₹)

🏛️ Fixed Deposits

Bank	Invested Amount (₹)	Interest (%)	Remaining Years	Maturity Value (auto ₹)

💎 Other Assets

Asset Type	Current Value (₹)

💳 Outstanding Loans & Liabilities

Loan Type	Outstanding (₹)	EMI / Month (₹)	Interest (%)

Existing Investment Position — Summary

Total Life Insurance Cover (Sum Assured)

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Total Insurance Maturity + PPF Value

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Total Mutual Fund Future Value

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Total FD Maturity Value

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Total Other Assets (Current Value)

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Total Outstanding Liabilities

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TOTAL EXISTING INVESTMENT CORPUS

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NET EXISTING PROVISION (Corpus − Liabilities)

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Life Insurance Cover and Outstanding Liabilities pre-fill into the Protection (HLV) tab automatically — you can still override either value there if needed.

Consolidated View

All Goals at a Glance

Live totals from every goal sheet — auto-updates as inputs change.

Note: "Current Provision" is a manual per-goal input representing money already set aside; Net Gap and Revised Investment columns recompute automatically. Tip: use "Hide menu" for a full-width view, and scroll sideways if the table is wide.

Goal	Name	Years	Current Value	Future Value / Corpus	Monthly Inv.	Yearly Inv.	Lump Sum	Provision	Net Gap	Revised Yearly	Revised Monthly