Total Net Worth
₹1,45,00,000
+12.5% from last month
Monthly Income
₹85,000
+5% from last month
Monthly Expenses
₹45,000
-2.3% from last month
Savings Rate
47.06%
+3.2% from last month
Asset Allocation
Financial Insights
Your emergency fund covers 6 months of expenses
Stock portfolio needs rebalancing
Term insurance coverage adequate for current life stage
Recent Transactions
| Date | Description | Category | Amount |
|---|---|---|---|
| 2024-02-15 | Salary Credit | Income | +₹85,000 |
| 2024-02-14 | Rent Payment | Housing | -₹25,000 |
| 2024-02-13 | SIP Investment | Investment | -₹15,000 |
| 2024-02-12 | Dividend Credit | Investment | +₹2,500 |
Total Investment Value
₹65,25,000
Monthly SIP Total
₹25,000
Last Month Returns
₹48,000
Investment Distribution
Investment Recommendations
Consider increasing SIP in Nifty Index Fund by ₹5,000
Debt allocation below target. Add ₹2,000 monthly to Debt funds
Review and rebalance portfolio quarterly
Top Performing Investments
| Investment Name | Category | Current Value | Returns | 1Y Returns |
|---|---|---|---|---|
| HDFC Midcap Fund | Equity MF | ₹8,50,000 | +25.4% | +32.1% |
| TCS | Stocks | ₹5,20,000 | +18.7% | +22.3% |
| SBI Gold ETF | Gold | ₹3,25,000 | +15.2% | +18.5% |
Investment Goals Progress
Retirement Fund
Target: ₹5 Cr by 2045
Child's Education
Target: ₹50 Lakhs by 2030
Emergency Fund
Target: ₹10 Lakhs
Total Coverage Amount
₹2,25,00,000
Annual Premium Total
₹85,000
Active Policies
5
Current Insurance Policies
| Policy Type | Insurer | Coverage | Premium (Yearly) | Status |
|---|---|---|---|---|
| Term Life Insurance | HDFC Life | ₹1,50,00,000 | ₹25,000 | Active |
| Health Insurance | Star Health | ₹50,00,000 | ₹35,000 | Active |
| Critical Illness | ICICI Lombard | ₹20,00,000 | ₹15,000 | Active |
| Personal Accident | Bajaj Allianz | ₹25,00,000 | ₹5,000 | Renewal Due |
| Car Insurance | New India | ₹5,00,000 | ₹5,000 | Active |
Coverage Analysis & Recommendations
Term Life Coverage Gap
Consider increasing coverage by ₹50L based on current income
Health Insurance Super Top-up
Add ₹50L super top-up to enhance medical coverage
Critical Illness Coverage
Current coverage adequate for present life stage
Premium Payment Schedule
Health Insurance Renewal
Due in 15 daysPremium Amount: ₹35,000
Due Date: 15 Mar 2024
Personal Accident Insurance
Due in 45 daysPremium Amount: ₹5,000
Due Date: 15 Apr 2024
Term Life Insurance
Due in 90 daysPremium Amount: ₹25,000
Due Date: 15 May 2024
Total Property Value
₹2,85,00,000
Monthly Rental Income
₹45,000
Home Loan EMI
₹65,000
Property Portfolio
| Property | Type | Current Value | Monthly Income | Status |
|---|---|---|---|---|
| 3BHK Apartment, Whitefield | Primary Residence | ₹1,85,00,000 | - | Self Occupied |
| 2BHK Flat, HSR Layout | Investment | ₹65,00,000 | ₹25,000 | Rented |
| 1BHK Apartment, Electronic City | Investment | ₹35,00,000 | ₹20,000 | Rented |
Market Analysis
Investment Recommendations
Consider: Upcoming Project in Sarjapur Road
High growth potential with metro connectivity
HSR Layout Property: Consider Selling
Market at peak, good time to book profits
Loan & Maintenance Overview
Home Loan Details
Maintenance Costs (Monthly)
Annual Leisure Budget
₹3,60,000
Current Month Spent
₹22,500
Vacation Fund
₹1,25,000
Monthly Leisure Breakdown
Upcoming Plans
Goa Vacation
May 2024Estimated Budget: ₹75,000
Saved: ₹45,000 (60%)
Home Theater Setup
July 2024Estimated Budget: ₹1,20,000
Saved: ₹80,000 (67%)
Recent Leisure Expenses
| Date | Category | Description | Amount |
|---|---|---|---|
| Feb 15, 2024 | Dining | Restaurant - Family Dinner | ₹3,500 |
| Feb 12, 2024 | Entertainment | Movie Tickets | ₹1,200 |
| Feb 10, 2024 | Shopping | New Clothes | ₹4,500 |
| Feb 8, 2024 | Hobbies | Guitar Classes | ₹2,000 |
Smart Recommendations
Budget Optimization
Consider reducing dining out expenses by 20% to meet vacation savings goal faster.
Entertainment Deals
Subscribe to annual entertainment packages to save 30% on movie tickets and events.
Travel Planning
Book Goa flights 3 months in advance for better rates. Estimated savings: ₹8,000
Hobby Development
Group guitar classes available at 25% discount for quarterly subscription.
Monthly Income
₹85,000
Total Expenses
₹55,000
Savings
₹30,000
Budget Status
On Track
Expense Categories
Savings Allocation
Budget Insights
Housing expenses within recommended 30% of income
Transportation costs higher than average. Consider carpooling.
Savings rate above target. Great job!
Recommendations
Optimize Utility Bills
Switch to LED bulbs and energy-efficient appliances. Potential monthly savings: ₹800
Grocery Shopping Strategy
Buy in bulk and use loyalty programs. Estimated savings: ₹1,000/month
Emergency Fund
Increase allocation by ₹2,000 to reach 6-month coverage faster
Upcoming Bills
| Due Date | Description | Amount | Status |
|---|---|---|---|
| Feb 25, 2024 | Electricity Bill | ₹3,500 | Pending |
| Feb 28, 2024 | Home Loan EMI | ₹25,000 | Scheduled |
| Mar 1, 2024 | Internet Bill | ₹1,499 | Auto-pay |
Financial Reports & Analysis
Investment Portfolio
+12.4%Insurance Coverage
ActiveReal Estate
2 PropertiesMonthly Expenses
-₹85,000Savings Goals
75% CompleteTax Planning
OptimizedSettings
Profile Settings
Financial Preferences
Notification Settings
Security Settings
Rahul Sharma
Financial Goals Achiever
Net Worth
Monthly Overview
Financial Goals
Recent Activity
SIP Investment
Mutual Fund Purchase
+₹25,000
Today
Insurance Premium
Life Insurance
-₹12,000
Yesterday
Stock Purchase
HDFC Bank
+₹50,000
2 days ago