Stop renting your future.
Plan it.
A salary is not freedom — a plan is. The Planned Life turns your monthly paycheck into a structured path to financial independence, with real numbers, real goals and a real timeline. Built from a decade of practising it personally.
₹15K/month → ₹2.5Cr corpus
Salary planning isn't budgeting. It's engineering your decade.
Four simple rules turned a ₹35,000 salary into a 50L corpus and three milestones in ten years. They work because they don't depend on motivation.
Invest first, spend later
On salary day, the planned amount goes to investments before lifestyle expenses get a chance.
Every goal has a number
House, car, marriage, baby, freedom — each goal gets a target year, target amount, and monthly SIP.
Step-up by 10% yearly
Salary grows every year. Your investments must grow with it. Compounding does the rest.
Emergency fund + insurance
One medical bill should never break a 10-year plan. Protect the corpus before chasing returns.
Every life goal gets a year, an amount and a monthly SIP.
Own a Home
Buy a Car
Marriage
Kids' Education
Financial Freedom
The 40 · 30 · 15 · 10 · 5 rule.
The Planned Life starts with an honest allocation. Not budgeting — engineering. This is the same split I've used for ten years.
- InvestmentsSIP + step-up40%
- EssentialsRent · food · bills30%
- WantsLifestyle · travel15%
- EmergencyLiquid buffer10%
- InsuranceHealth + term5%
Salary grows. SIP must grow with it.
A 10% annual step-up keeps your investments compounding faster than lifestyle inflation.
From first salary to freedom — in five repeatable moves.
List every life goal
House, car, marriage, kids, retirement — each with a year and amount.
Allocate the SIP
Reverse-engineer monthly SIP from goal year + expected returns.
Step-up every year
Increase SIP by 10% every salary hike. Compounding accelerates.
Review monthly
30 mins a month — update actuals, rebalance allocations.
Hit freedom
Annual investment returns exceed annual salary. You're free.
From a 22-year-old engineer to a financial freedom plan on track.
In 2015, I joined Engineers India Limited as my first job — monthly salary ₹35,000, after expenses around ₹15,000 used to sit in my account and quietly drain into impulse buys.
A conversation with my father introduced me to mutual funds. I started a SIP that same year. When I saw the returns one day exceed what my own salary added, a question changed everything: what if my investments earn more than my salary every year?
I built an Excel sheet. Picked age 40 as my freedom point. Increased SIP by 10% every year. Goals — car, marriage, house, baby — each got its own plan. When my wife started earning, our freedom age dropped to 38.
Three milestones done — ₹10L, ₹25L, ₹50L. Next is ₹1Cr. Then ₹2.5Cr — and freedom. I help young earners build the same plan, before the salary trap closes in.
- 2015
First job · ₹35,000 salary · started SIP of ₹15,000
- 2019
Bought first car with planned loan · married debt-free
- 2022
Bought house with planned down payment
- 2026
Crossed ₹50L liquid corpus · freedom age now 38
Sign up free — get a personal dashboard to track every goal.
One Google sign-in. Your goals, your milestones, your monthly investment plan — all in one place. Members also get priority access for consultations.
Goal tracker
Add every life goal — house, car, education, freedom — see monthly SIP needed.
Milestone progress
Watch milestones get ticked off — 10L, 25L, 50L, 1Cr.
Monthly check-in
Update your numbers once a month. The plan adjusts itself.
Priority booking
Members get first slots for 1:1 consultations.
"Why we work is to earn money and have a life from that money — life-long dependency on salary is like a jail."
One conversation can change the next ten years.
A 2-hour one-on-one to map your goals, expenses, EMIs and freedom number. You leave with a printed plan and a monthly investment schedule.