NRI
NRI Financial Insights
By Vinod Pottayil
📱 +91 96057 95754
FINANCIAL PLANNING SYSTEM
Comprehensive Family Financial Planning · All Clients
👤 Step 1 — Client Profile
Enter basic family and residency information
🧑👩👧👦 Personal Details
🌍 Residency Status
Years living outside India
🏦 NRI Banking
⚙️ Plan Settings
⚖️ Step 2 — Risk Profile Assessment
Answer the questions below — the system will suggest a risk profile. You can also select directly from the dropdown.
Or fill the questionnaire below for auto-detection
1. What is your primary investment goal?
2. If your investment drops 25% in value, what would you do?
3. How long can you stay invested without needing the money?
4. What is your investment experience?
5. What is your income stability?
💵 Step 3 — Monthly Income
Enter all income sources in Indian Rupees (₹). Use the converter below for foreign currency.
💱 Currency Converter — Foreign Salary to INR
Copy ↓ to Husband Salary below
💰 Income Sources (₹/month)
Total Monthly Income
₹0
Annual Income
₹0
Required Life Cover (20×)
₹0
🏠 Step 4 — Monthly Expenses
Include both living-country expenses and India remittances
⚠️ Common mistake: Many NRIs underestimate India-side expenses. Include parents support, house maintenance, festive spending, and school fees.
🧾 Expense Categories (₹/month)
Rent/groceries/utilities — both countries
Total Expenses
₹0
Monthly Surplus
₹0
Savings Rate
0%
EMI Burden
0%
🏛 Step 5 — Assets & Liabilities
All values in ₹ Lakhs. Enter current market values.
📈 Investment Assets (₹ Lakhs)
🏠 Real Assets (₹ Lakhs)
💳 Liabilities (₹ Lakhs)
Total Assets
₹0
Total Liabilities
₹0
Net Worth
₹0
Debt-to-Asset
0%
🌅 Step 6 — Retirement Planning
Specialised retirement modelling for husband, wife, or both — corpus, SWP, bucket strategy and more
💡 Retirement is not just about saving — it is about sustaining income for life. This section calculates your exact corpus requirement, SIP needed, and safe withdrawal plan using CFP-grade methods.
👤 Who is planning for retirement?
💰 Retirement Expense Planning
Will auto-fill from Step 4 expenses if blank
Separate from general expenses
👨 Husband — Retirement Inputs
Auto-filled from Step 1
NPS + EPF + PF + any retirement savings
👩 Wife — Retirement Inputs
Auto-filled from Step 1
📐 Corpus Method & Safe Withdrawal
Amount to leave for children/heirs
📈 SIP Step-Up & Bucket Strategy
🎯 Step 7 — Financial Goals
Set corpus targets. Choose whether your input is in Present Value (today’s ₹) or Future Value (inflated ₹).
💡 PV vs FV explained: Present Value (PV) = what the goal costs TODAY. The system will inflate it to the target year. Future Value (FV) = you already know the inflated amount at goal year. Choose accordingly.
🌅 Retirement
Recommended: 25× annual expenses
🎓 Children Education Fund
Education costs rise ~10% p.a. in India
💍 Marriage Fund
🏠 House Purchase
👴 Other Goals
Total SIP Required
₹0/mo
Available Surplus
₹0/mo
SIP Gap
—
Education SIP
₹0/mo
🛡 Step 8 — Insurance Coverage
Enter all existing insurance covers — gaps and recommendations will be auto-generated
🚨 Critical: Most families are 70–80% underinsured. Life cover gap is the single biggest financial risk for a family with dependants.
🛡 Life Insurance
₹0 if no cover. ₹100L recommended.
🏥 Health & Other Insurance
Cancer, heart attack, stroke — need ₹50L
Required Life Cover
₹0
Current Cover (H+W)
₹0
Life Cover Gap
₹0
Health Gap
₹0
✅ All steps complete! Click “Generate Financial Plan” below to see the full dashboard with analysis, mutual fund recommendations, and action plan.
📊 Dashboard
💰 Cash Flow
🎯 Goals
🛡 Insurance
🌅 Retirement
🧮 Ret. Deep Dive
⚠️ Problems
📈 MF Portfolio
🌍 NRI Strategy
🧾 Tax Plan
💎
Net Worth
—
—
📤
Monthly Surplus
—
—
💹
Savings Rate
—
—
🔒
Emergency Fund
—
—
🌅
Retirement Gap
—
—
🎯
Financial Indep.
—
—
Asset Allocation —
—
Total Investments
Equity
Debt
Gold
Intl
Goal Progress Tracker Inflation-adjusted targets
| Goal | Target (FV) | Progress | % |
|---|
Cash Flow Monthly
Total Income—
Total Expenses—
Monthly Surplus—
Savings Rate—
Problems Auto-detected
—
Recommendations MF-focused
—
Retirement —
Retire Age—
Corpus Need—
Projected—
Shortfall—
Wealth Projection 10yr@12%
Today—
5 Years—
10 Years—
Total SIP—
Investment Summary
Total Investments—
Equity Funds—
Debt / FDs—
Gold—
International Funds—
Property + Gratuity—
Insurance Summary
| Type | Have | Need | Gap |
|---|
Client Overview
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Estate Planning
—
Detailed Monthly Cash Flow Analysis
Income Sources
Expense Breakdown
Summary
Goal Planning — Inflation-Adjusted Future Values & SIP Requirements
| Goal | Input (PV/FV) | Inflation | Future Value | Years | SIP/month | Progress | Status |
|---|
Recommended SIP Allocation Grid
Insurance Gap Analysis
| Type | Current | Required | Gap | Est. Annual Premium | Priority |
|---|
LIC / Endowment Policy Analysis
Retirement Corpus Projection
Retirement Detail
🧮 Retirement Deep Dive — Full Analysis
Complete the Retirement Planning step (Step 6) to see the full analysis here including corpus calculation, SWP table, bucket strategy, and stress tests.
Complete Problem Engine — All Issues with Solutions
Recommended Mutual Fund Portfolio — Goal-Wise Allocation
Strategy for Country of Residence
Return-to-India Plan
Tax Planning Guide
Tax Compliance Checklist