India's data-driven investment advisor · Data up to May 2025
Know exactly where your money should go.
FinCA uses 10 years of real Indian market data — Nifty 50, gold, RBI inflation, AMFI mutual funds — to build a personalised investment plan based on your actual income, expenses, and goals.
Sample Report Preview
Monthly SIP₹22,960
Years to Retirement34 years
Portfolio Return (est.)13.68% p.a.
Goal Status✓ On Track
Projected Retirement Corpus
₹2.06 Cr
50th percentile · 800 simulations · ±18% accuracy range
10Y
Historical Market Data
800
Monte Carlo Simulations
5
Asset Classes Covered
±18%
Projection Accuracy Range
How FinCA calculates your plan
Four steps — all running in your browser, using real Indian market data.
1
Real surplus calculation
Your actual investable amount = Income − all real expenses − 20% liquid buffer. No flat percentages assumed.
2
Risk profiling
A K-Means ML model (trained on 48 investor profiles) clusters you into Conservative, Moderate, or Aggressive based on age, surplus ratio, and dependents.
3
Corpus projection
800 Monte Carlo simulations use ±4.7% monthly variance (real Nifty data, 108 months) to give worst/likely/best case outcomes.
4
Personalised recommendations
Specific fund names, ETFs, stocks, SGBs, FDs ranked by suitability. Gemini AI checks your health insurance fit.
How accurate are these results?
Honest disclosure about what the numbers mean — and don't mean
±18%
Typical 30-year projection range at 50th percentile
108
Months of real Nifty data used for volatility (2016–2024)
10Y
Historical average period for all return estimates
What FinCA gets right: The relative allocation (more equity when young, more FD near retirement), surplus calculation, tax regime impact, and emergency fund check are all mathematically sound and based on real data.
What FinCA cannot predict: Exact future returns. The Nifty has returned 20.65% CAGR over the last 10 years — but this includes exceptional bull runs. Conservative planning typically assumes 12–14% for equity. A 30-year projection with ±4.7% monthly variance means your actual corpus could be 18–25% above or below the "likely" figure.
The Monte Carlo simulations run 800 scenarios with randomised monthly returns drawn from a normal distribution centred on the weighted portfolio return, with standard deviation derived from 108 months of real Nifty 50 monthly closing prices (Jan 2016–Dec 2024). The 10th percentile = worst case, 50th = likely, 90th = best case.
Data is as of May 2025. Recalculate every 6–12 months as market conditions change.
What FinCA analyses for you
Six factors that most investment apps ignore — all calculated from your real numbers.
Real surplus calculation
Calculates your actual investable amount after rent, EMIs, groceries, dependents and lifestyle — not a flat 20% assumption.
Monte Carlo engine
Runs 800 market simulations showing worst, likely, and best case retirement outcomes based on real Nifty 50 volatility (±4.7% monthly).
Income growth model
Projects your corpus as salary increases each year — not a static SIP assumption for the next 35 years.
Loan detection
Flags high-interest loans above 12% and removes that EMI burden before computing your investable amount.
AI Health Insurance Advisor
Gemini AI analyses your age, city, family, and conditions to recommend the exact health insurance plans right for you.
Tax optimisation
Detects your tax bracket and regime (old vs new), then shows exactly how much you save through ELSS and NPS.
Data sources
All market data is sourced from official Indian government and regulatory bodies. No third-party estimates.
Disclaimer: FinCA is not a SEBI-registered investment advisor. All projections are based on historical data and are for informational purposes only. Past returns do not guarantee future performance. Always consult a certified financial planner (CFP) before making major investment decisions. Data as of May 2025.
FinCA
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1
Profile
2
Expenses
3
Loans
Step 1 of 3
Your profile
Basic details to personalise your investment plan. All calculations run in your browser — nothing is sent anywhere.
Letters and spaces only
Please enter a valid name — letters only, no numbers
Total corpus target at age 60
New Regime (default after 2023): Lower tax slabs but you cannot claim 80C/ELSS/HRA deductions. Good if your total deductions are less than ₹3.75L/year.
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Profile
2
Expenses
3
Loans
Step 2 of 3
Monthly expenses
Your real surplus — not an assumed percentage — powers FinCA's recommendations. Be honest for the most accurate plan.
Car, education, personal loan. Enter 0 if none.
Monthly Income—
Total Expenses—
Monthly Surplus—
Liquid Buffer (20%)—
Monthly SIP Amount—
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Profile
✓
Expenses
3
Loans
Step 3 of 3
Outstanding loans
Loans above 12% interest cost more than most investments return. FinCA prioritises clearing these before investing your surplus.
No loans?
Leave this empty and click Generate Report to proceed.
FinCA Report
Data as of May 2025 · Recalculate every 6–12 months
Retirement corpus — 800 Monte Carlo simulations
Projection accuracy: ±18–25% over 30 years · 10th/50th/90th percentile shown
Year-by-year corpus growth
Simulation spread (800 runs)
Portfolio allocation
Monthly income breakdown
Tax optimisation
Your personalised action plan
How your results were calculated
1
Surplus calculation
Your investable amount = (Income − all expenses − high-interest EMIs) × 80%. The remaining 20% is kept as a liquid buffer.
800 simulations run with monthly returns = (annual return ÷ 12) + random noise. Noise is drawn from a normal distribution with σ = 0.0468 (real Nifty monthly std dev from 108 months of data). Noise stays at monthly scale — not divided by 12.
monthly_r = (WR / 12) + Normal(0, 0.0468)
4
Percentile outcomes
All 800 simulated corpus values are sorted. Worst case = 10th percentile (80% of outcomes are better). Likely = 50th percentile (median). Best case = 90th percentile.
5
Inflation adjustment
The likely corpus in today's purchasing power = corpus ÷ (1 + 5%)^years. This tells you what your projected amount is worth in today's money.
Important limitations: The Nifty 50's 20.65% 10-year CAGR includes exceptional market performance. Conservative planning typically assumes 12–14% for equity long-term. The ±4.7% monthly volatility comes from computing the standard deviation of 108 monthly returns (Jan 2016 – Dec 2024) from NSE closing price data.
Data as of May 2025. Market returns, FD rates, and inflation change over time. FinCA recommends recalculating your plan every 6–12 months. Insurance claim settlement ratios are sourced from IRDAI annual reports ↗.