Family financial planning, made for India
Plan your family's wealth with clarity.
Bring every income, expense, loan and goal into one plan — in rupees, for every generation. See what each goal will really cost, and exactly what to save every month.
- Two-factor sign-in on every account
- No bank passwords, ever
- Lakh & crore, the Indian way
- Export or delete your data anytime
Sample household
The Sharma family
Net worth
₹1.45 Cr
Emergency runway 10.2 months · Debt-service 15.9%
Monthly surplus
₹2,26,300
Goals need
₹2.47 L/mo
Next 12 months — net cash flow
Everything in one place
Built for how Indian families actually manage money
Joint finances, parents to support, children's education to fund — Sampatti Plan models the real picture, not a single person's.
The whole family, one plan
Spouse, children, parents and other dependents — with or without their own login, view-only or editor access, and privacy per person.
Goals that respect inflation
Education, weddings, a home, retirement. See today's cost, the inflated future cost and exactly how much to set aside each month.
Dependents planned, not forgotten
School fees, a parent's medicines or caregiving — with start and end dates, who pays, and their own inflation rate.
What-if scenarios
A job break, higher inflation, lower returns, a delayed goal or a child becoming independent — compared side by side with your plan.
A dashboard that tells the truth
Net worth, surplus, emergency runway and debt-service ratio, plus alerts for concentration, liquidity gaps and stale numbers.
Your data stays yours
CSV export (and import on Plus), a printable plan, full JSON export, audit history and one-click account deletion.
Calculators
Loans, PF and NPS — worked out with charts
See principal vs interest vs fees, how your provident fund or pension grows, and compare up to three options side by side — using official rates.
Loan EMI calculator
Home, car, personal or education loan — EMI, interest, fees with GST and the true yearly cost.
- Principal vs interest vs fees
- Prepayment savings
- Compare up to 3 offers
PF (EPF) calculator
Your provident fund at retirement with the EPFO-declared rate, salary hikes and VPF.
- Your vs employer contributions
- EPS pension estimate
- Compare VPF scenarios
NPS calculator
Corpus, lump sum and monthly pension with step-ups, employer contribution and annuity choice.
- Lump sum vs pension
- Step-up impact
- Compare plans side by side
Goal calculator
What a goal will cost after inflation — education, wedding, home — and the monthly saving to get there.
- Today's cost vs future cost
- Counts what you've saved
- Compare up to 3 goals
Try it now
What will that goal really cost?
Inflation quietly doubles many goals. Pick an example or enter your own — no sign-up needed.
Try 25L, 1.2Cr or 8,50,000
It will cost about
₹58.95 L
in 9 years — ₹25 L today, at 10% inflation
Save every month
₹34,616
You put in₹37.39 L
Growth at 10%₹21.56 L
Future cost = today × (1 + inflation)years. Monthly amount = future cost × i ÷ ((1 + i)n − 1), i = monthly rate. Illustrative planning estimate — not investment advice; returns are not guaranteed.
Up and running in minutes
- 1
Add your people
Create your household and add family members and dependents in a couple of minutes.
- 2
Enter the numbers
Incomes, regular expenses, assets and loans — typed in, or imported from a CSV on Plus. Amounts like 12.5L just work.
- 3
Plan with confidence
Set goals, earmark savings and test scenarios. Every figure shows the formula behind it.
Security & privacy
Your family's finances deserve bank-grade care
Financial data is personal. We collect only what planning needs, protect it in layers, and give you full control to take it with you or delete it.
Read the privacy notice →Two-factor sign-in, always
Every account uses an authenticator app — with or without Google sign-in.
Encrypted end to end
HTTPS in transit; account numbers and private notes are additionally encrypted at rest.
Never your bank password
No bank logins, PINs or OTPs — ever. Only the figures you choose to enter.
Built for India's DPDP Act
Clear consent, export of all your data, deletion on request and an audit trail.
Plans
Free for every family. Plus when you want more.
One price covers the whole household. Advice-like features — calculators, suggestions, allocation estimates — are always free.
🌱 Free
₹0
- ✓ All calculators, official rates and the Help centre
- ✓ Dashboard with unlimited income, expenses, assets and loans
- ✓ Up to 4 family members, 3 goals and 1 saved scenario
- ✓ 10-year forecast · you + partner logins
✨ Plus
₹1,199 / year
or ₹149 / month · incl. GST · first year ₹799
- ✓ Unlimited family members, logins, goals and scenarios
- ✓ 50-year forecasts with every change combined
- ✓ CSV import, full printable report and net-worth history
- ✓ Monthly review e-mail · no auto-renewal
Questions, answered
Is Sampatti Plan an investment adviser?
No. It is a planning and tracking tool. It does not recommend specific funds or shares, execute transactions or guarantee returns. Allocation figures are educational estimates by asset class.
Do I need to connect my bank account?
No. You enter figures yourself (or import a CSV on Plus). We never ask for bank passwords, PINs or OTPs. A future, optional connection would only use India's consent-based Account Aggregator framework.
Can my spouse or parents use it too?
Yes. Invite them as view-only, editor or owner. Members without a login — such as children or elderly parents — can still be part of the plan, and a dependent can get their own login later.
How are future costs calculated?
Future cost = today's cost × (1 + inflation)^years, with your own inflation rate per goal or expense. The monthly amount needed uses the standard savings formula and is shown on every goal.
Can I sign in with Google?
Yes. Use Continue with Google or an e-mail and password. Either way, your authenticator app code is required too.
Is it free?
Yes — the calculators and a full household plan are free forever. Plus (₹1,199 a year or ₹149 a month for the whole household, incl. GST) adds unlimited family members, goals and scenarios, longer forecasts, CSV import, history and monthly review e-mails. Try it free for 30 days.
Give every goal a plan.
Create your household in two minutes, with two-factor security from day one.