FinLaxmi
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Your personal finance copilot

Exactly how much to invest.
Exactly where.

Everyone says "SIP sahi hai." No one tells you how much, or the split that's actually right for your income, your family, your goals. We do — customised, defended in a spreadsheet, and updated as your life changes.

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The hardest question in personal finance

What's the perfect split
for your money?

Stocks and mutual funds give better returns over the long run — but they're risky. FDs are safe, but inflation quietly eats them. The right split for you can only be found by simulating what happens if markets go up, down, sideways, or in circles.

We simulate 250 futures for you. The good, the bad, and the ugly — every allocation mix stress-tested against the same market storms, ranked by outcome, in today's rupees.
No one else does this for you. Not a human advisor working off rules of thumb. Not an AI chatbot guessing the next word. This is what a real financial engine looks like.
Built by planners who audited the sheet, not vibes.
CFA Charter Holder · IIM Ahmedabad MBA · Chartered Accountant · NISM-certified Investment Advisor
The method

Four steps.
One honest number.

01

Tell us what's real

Your income, EMIs, kids' ages, the loans you actually have. Not the ones you wish you had. Five minutes.

02

We run 250 futures

Common Random Numbers Monte Carlo across 11 asset mixes and 81 years. Every simulation sees the same market storms — so we can rank mixes fairly, not by luck.

03

You see the ranges

Not a single fantasy number. You see the median path, the 1-in-5 poor market, and the 1-in-20 disaster — in today's rupees, so it means something.

04

You get the one move

Everyone's plan has one lever that matters most. We tell you which one — and how much it's worth in months of freedom.

Why FinLaxmi is different

Everything the industry
gets wrong. Fixed.

Zero commissions.

Kickback-driven advice.

We take a flat fee. Your plan recommends Motilal Oswal Nifty 500 and IDFC First FDs because they're right — not because they pay us.

Real spending, not averages.

"Assume you'll spend 70% in retirement."

We model each child from infant to independence, and every one-off cost you told us about.

Reproducible, not opaque.

"Our algorithm says…"

The whole model lives in a versioned spreadsheet. Ask and we'll walk you through it.

Ranges, not point estimates.

"You'll retire at 58."

You'll retire between 55 and 58 on the median path, 60 in a poor market. That's how planning actually works.

The uncomfortable answer.

"You're on track!" (You're not.)

If the plan doesn't work, we say so — clearly — and show you the smallest change that fixes it.

You earn to live. Not to hoard.

"Save more. Always save more."

When your safety net is rock-solid, we'll tell you the amount you can spend guilt-free every month. Several users realised they could live better today — without touching tomorrow.

The engine

Numbers we
actually care about.

Simulation paths
250
per age, per allocation, per scenario
Years modelled
81
from age 20 to life expectancy
Allocation mixes
11
compared with common random numbers, ranked by outcome
Products we sell
0
so the recommendation is only ever about you
Read the methodology paper
See it move

One lever. Real time.

Slide to see what an extra monthly investment does to your freedom age and the money you leave behind. This is 3% of what your full plan shows.

Extra monthly investment ₹0
₹0₹1L
Freedom age
58 → 58
years earlier as you invest more
Money left at 85
₹4.2 Cr → ₹4.2 Cr
on the median market path
See what your actual numbers do →
Why not just ask an AI?

ChatGPT is brilliant.
It still can't do this.

We love LLMs. We built with them. But a language model can't replace a real financial engine — and neither can a human advisor working off rules of thumb.

AI can't run simulations.

A language model predicts the next word. It doesn't roll 250 market futures across 81 years and rank 11 asset mixes on the same random draws. Our engine does — every time you ask.

AI can't run 4,000 formulas.

Your plan is a chain of interlocking sheets — EMIs feeding cash-flow feeding SIPs feeding withdrawals. Ask an LLM to hold that in memory and it will quietly hallucinate a number that looks right.

AI guesses with rules of thumb.

Just like a human advisor, AI falls back on "save 30% of income" or "the 4% rule." We reject shortcuts. Every rupee is modelled from your real inputs — not averages someone quoted on a podcast.

Questions people actually ask

The awkward ones, first.

Do you sell my data to insurance companies?
No. We don't share it, sell it, or use it to market third-party products. Ever. Our database is a liability we take seriously.
How is this different from Groww / ET Money / any free tool?
Those show you your portfolio. We show you your future — under 250 different market scenarios — and tell you what to change today.
What if I already have a Chartered Accountant or financial advisor?
Bring them. The Excel model is auditable. We've had CAs shift their own retirement projections after running our engine.
Is my data secure?
Encrypted at rest and in transit. Deleted on request within 24 hours. We use no third-party analytics that see personally identifiable data.
What does it cost?
A one-time fee of ₹4,999 ₹0 for your first year. Free preliminary report before you pay anything. No subscription, no upsell.
Can I do this in an Excel sheet myself?
Yes. The math is public. Most people don't — because it's 4,000 formulas, and one wrong reference makes the whole thing lie.

The gap between “I hope so” and “I know so” is five minutes.

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