Your money needs a plan.Not just products.
Most people are sold products one at a time — a policy here, a fund there. We start with your goals instead, then build one connected plan for protection, investments, loans and tax, and help you follow it.
A plan links every rupee to a purpose. Every investment, insurance policy and loan you have gets tied to a specific goal and a timeline — so decisions are coordinated instead of ad hoc.
Five steps. In this order, every time.
Products come last — only once we know what they need to do for you.
- 01Discovery
Understand
Your income, expenses, liabilities, family and goals — and how much risk you can genuinely live with. No product talk yet.
- 02Foundation
Protect
We check health cover, life cover and your emergency fund first, so one bad event cannot undo years of progress.
- 03Roadmap
Plan
A written plan tailored to you: every goal gets an amount, a timeline and a route, with gaps clearly identified.
- 04Execution
Invest
We help you implement — product selection, paperwork and setup — choosing investments that fit each goal.
- 05Ongoing
Review
We revisit your plan every year, or whenever life changes, so it keeps working for you.
Ten areas. One connected picture.
Your financial life is bigger than your investments. A good plan looks at all of it together, because a change in one area always moves another.
Where you stand
Every plan starts with an honest picture of your cash flow.
Income
Salary, business income, rent — what comes in, how stable it is and how it is likely to grow.
Expenses
Understand where your money goes and optimise your saving rate without starving today.
Your safety net
Protection comes before growth.
Emergency fund
Build the financial cushion — typically several months of expenses — that lets you take risks confidently.
Where you are going
Each goal gets a number and a plan.
Financial goals
Child's education, a wedding, a home — we attach an amount and a timeline to every goal.
Retirement
Build a corpus that lets you retire comfortably — on your own terms.
Keeping more of it
Efficiency and continuity for the people you care about.
Tax planning
Legally reduce your tax outgo with smart use of 80C, 80D and other provisions — planned through the year, not in March.
Financial planning with PlusFinance is free.
We earn through standard, disclosed commissions or fees only on the products you choose to invest in — never a hidden planning fee upfront.
- No minimum portfolio size to start
- Every cost disclosed before you commit
- You decide what to implement, and when
A Worked Example
Figures are illustrative, based on typical scenarios. Your numbers will differ.
Take a 32-year-old with a ₹1.4L monthly take-home, ₹6L in savings sitting idle in a bank account, and a vague goal of "retiring comfortably." A financial plan turns that into numbers: assuming 7% inflation and a target corpus of 25x annual expenses at 60, the retirement goal alone needs a monthly SIP of roughly ₹18,000-22,000 in equity funds, started now rather than at 40.
The ₹6L idle balance gets split — an emergency fund of 6 months' expenses (~₹3L) stays liquid in a sweep-in FD or liquid fund, and the rest is deployed toward an existing gap, such as inadequate term cover. We also map this against Section 80C (₹1.5L) and 80D (₹25,000-₹75,000 depending on parents' age) limits so the plan is tax-efficient by design, not as an afterthought in March.
Questions, answered.
How much does financial planning cost with PlusFinance?
Do I need a minimum amount of money to start financial planning?
How is a financial plan different from just buying mutual funds?
Learn before you decide.
Your financial future deserves a plan.
Start with your goals. Build the right foundation. Grow with confidence.