Financial Fitness Checklist
Actionable financial milestones by life stage — with links to the right tools. Your progress is saved privately on your device.
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financially fitIncrease your SIP with every salary hike (step-up SIP)
Step-Up SIP CalculatorBuy term life insurance if you have dependents (10-15× annual income)
Open a PPF account for guaranteed tax-free long-term savings
PPF CalculatorCalculate home loan affordability before committing to EMI
Home Loan CalculatorBuild a 6-month emergency fund
BudgetWiseReview and increase your investments with each annual salary revision
Check if you're on track for your retirement target
Retirement CalculatorMaximize EPF VPF contributions to accelerate PF corpus
EPF CalculatorDiversify across equity + debt + gold + real estate
Calculate your FIRE number — could you retire early?
FIRE SimulatorReview insurance coverage annually — health and term should scale with lifestyle
Start a dedicated fund for children's higher education
Gradually shift equity to conservative allocation (debt-heavy)
Calculate the exact retirement corpus you'll need
Retirement CalculatorPlan a Systematic Withdrawal Plan (SWP) for retirement income
SWP CalculatorReview and update nominee details on all investments and policies
Calculate NPS corpus and monthly pension at retirement
NPS CalculatorCreate a basic estate plan — will, nominee, and Power of Attorney
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Questions & Answers
What financial milestones should I have by age 30?
By age 30, you should ideally have: a 3-6 month emergency fund, at least one active SIP (ideally 15% of income), term life insurance if you have dependents, a PPF account started, and no high-interest personal debt. You should also have calculated your home loan affordability if you're planning to buy property.
How much of my income should I invest in my 30s?
Financial advisors generally recommend investing at least 20% of your take-home income in your 30s. This includes SIPs, PPF contributions, EPF (already deducted from salary), and NPS if applicable. Increase this percentage with every salary hike using a step-up SIP strategy.
What is the most important financial move in your 40s?
In your 40s, the most critical action is checking whether you're on track for retirement. Use the Retirement Calculator to see if your current savings trajectory will meet your target corpus. If there's a shortfall, the 40s are your last chance to aggressively bridge the gap before income typically plateaus.