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How to get the most from Sampatti Plan

What each calculator and screen is for, how to use it step by step, and the habits that turn a plan into better decisions. New here? Start with your first 20 minutes.

Signed in? Back to your dashboard →

Getting started

Set up your account and enter your household in the order that gives useful numbers fastest.

Create your account and sign in

Create an account →

What it's for: Your plan holds sensitive family data, so every account is protected by a password and an authenticator app.

How to use it

  1. Sign up with your e-mail and a passphrase of at least 12 characters — or choose Continue with Google.
  2. Scan the QR code with Google Authenticator, Microsoft Authenticator or a similar app and enter the 6-digit code.
  3. Save the backup codes somewhere safe (not on the same phone). Each one works once if you lose your phone.
  4. Next time, sign in with your password (or Google) and then the current 6-digit code from the app.

Get the most out of it

  • We e-mail you your sign-in ID and a link to set a password — never a password itself.
  • Sampatti Plan never asks for bank passwords, card PINs or bank OTPs. Anyone who does is not us.

Your first 20 minutes

What it's for: Entering things in this order means the dashboard becomes meaningful after the first three steps.

How to use it

  1. Family & dependents — add everyone the plan covers, including children and parents without a login.
  2. Income — each person's take-home pay and other regular income.
  3. Expenses — regular household costs, marked essential or discretionary.
  4. Assets — bank balances, deposits, EPF/PPF/NPS, funds, gold, property.
  5. Loans & cards — outstanding balances and EMIs.
  6. Goals — education, wedding, home, retirement… with today's cost and the target date.
  7. Open the Dashboard, then Where will we be? to see the projection.

Get the most out of it

  • The menu is grouped: Overview (dashboard and forecast), Your money, Planning, Tools and Account. Your name and the Sign out button are at the bottom of the menu; on a phone, tap Menu at the top.
  • See an ⓘ next to a figure or field? Hover over it, or tap it, for a one-line explanation. Press Esc or tap elsewhere to close it.
  • Rough numbers today beat perfect numbers next month — you can refine any figure later.
  • Amounts accept Indian shorthand: 12.5L, 1.2Cr, 45k or 8,50,000.

Free calculators

No sign-in needed. Each one shows charts, explains the formula, gives suggestions and compares up to three options.

How every calculator works

See all calculators →

What it's for: Try a decision before you make it — compare loan offers, VPF choices, NPS plans or goals side by side.

How to use it

  1. Type a value or drag the slider under it. Results and charts update instantly.
  2. Number boxes accept digits only (amounts also take L, Cr and k). Out-of-range values show the allowed range in red.
  3. Press “Compare another option” to add Option B, then Option C (three at most). Each starts as a copy of the last one — change just one thing to see its effect.
  4. Read the headline tiles, then the charts, then the side-by-side table. Use the “Details” buttons to switch which option the year-by-year chart and suggestions describe.
  5. Check “Rates used on this page” at the bottom for each figure's official source and validity date.

Get the most out of it

  • Change one variable per option. Comparing options that differ in three ways hides which change mattered.
  • Calculators don't save anything. To keep a result, enter it in your plan after signing in.

Loan EMI calculator

Open Loan EMI calculator →

What it's for: See what a loan really costs: EMI, total interest, processing fee with GST, the true yearly cost and how prepayments shorten it.

How to use it

  1. Pick a loan type — it fills in the starting rate a large public-sector bank publishes.
  2. Enter the amount, your offered rate, tenure in years and the processing fee.
  3. Open “Prepayments & affordability” to add a yearly or monthly extra payment and your take-home pay.
  4. Add Option B with another bank's rate or a shorter tenure, and compare total cost.

Get the most out of it

  • “True yearly cost” includes the fee — use it, not the quoted rate, to compare offers.
  • Many lenders treat an EMI above 40% of take-home pay as stretched.
  • One extra EMI a year typically saves years on a long home loan — the suggestion shows the exact figure.

PF (EPF) calculator

Open PF (EPF) calculator →

What it's for: Project your provident fund to retirement using the EPFO-declared rate, salary hikes and voluntary contributions (VPF).

How to use it

  1. Enter monthly basic + DA (not gross salary), your age, retirement age and current EPF balance.
  2. Set the yearly salary increase you expect.
  3. Raise “Your share” above 12% in Option B to see what VPF adds.

Get the most out of it

  • Of the employer's 12%, 8.33% (on wages up to ₹15,000) goes to the EPS pension, not your EPF balance.
  • The EPS pension estimate needs 10+ years of service.

NPS calculator

Open NPS calculator →

What it's for: Estimate your NPS corpus and how it splits into a tax-free lump sum and a monthly pension.

How to use it

  1. Choose your subscriber type — it sets the minimum share that must buy an annuity.
  2. Enter your age, retirement age, monthly contribution, any employer contribution and yearly step-up.
  3. Pick a return assumption (conservative, balanced or equity-heavy) or type your own.
  4. Set the share of the corpus that buys an annuity and the annuity rate.

Get the most out of it

  • NPS returns are market-linked and not guaranteed — compare a conservative and an optimistic option.
  • A step-up in line with salary hikes usually matters more than chasing a higher return.

Goal calculator

Open Goal calculator →

What it's for: See what a goal will cost after inflation and the monthly saving that reaches it, counting money already set aside.

How to use it

  1. Pick a goal type — it suggests a typical cost, horizon and goal inflation.
  2. Adjust today's cost, years until you need it, goal inflation and the return you assume.
  3. Add what you have already set aside, if anything.
  4. Compare goals (or the same goal with different deadlines) using Option B and C.

Get the most out of it

  • Education and healthcare costs usually rise faster than general inflation — don't use 6% for them.
  • Starting a year earlier often lowers the monthly amount more than a higher return assumption does.

Official rates

Open Official rates →

What it's for: Current PPF, SSY, NSC, EPF, repo, inflation, bank FD and loan rates, each linked to its official source with the period it is valid for.

How to use it

  1. Use the charts to compare savings and borrowing rates at a glance.
  2. Follow the source link for the official notification.

Get the most out of it

  • Small-savings rates are reset every quarter; EPF once a year. A warning appears if a figure is past its validity date.
  • Bank rates shown are starting card rates — your rate depends on your profile.

Your plan (after sign-in)

The screens that hold your household's numbers and the dashboards built from them.

Dashboard

Open Dashboard →

What it's for: Your household's position on one screen: this month's cash flow, safety buffers, debt load, goals and what needs attention.

How to use it

  1. Key figures: monthly income, expenses and EMIs, and the surplus left over.
  2. Emergency runway: liquid assets not earmarked for goals ÷ essential monthly outflow. The default target is 6 months.
  3. Debt-service ratio: EMIs plus card minimum dues ÷ monthly income. 30–40% is worth watching; above 40% is high.
  4. Risks & checks: plain-language warnings, most serious first — cash-flow deficits, a short runway, concentration in one asset, goals heading for a shortfall, goals the surplus cannot fund, and a missing retirement goal.
  5. Needs updating: figures older than 90 days (you can change this in Household settings).
  6. Charts: net cash flow for the next 12 months and net worth over the next 10 years at today's pace.
  7. Net-worth history: your net worth is recorded every month; on Plus a chart shows how it has moved.
  8. Go deeper from any figure: click a tile (for example Monthly expenses or Debt-service ratio) to open the screen behind it, a row in Asset mix to see just those holdings, or the link under a risk to fix it.

Get the most out of it

  • Not sure what a figure means? Use the ⓘ next to it.
  • Work on the first red item in Risks & checks before anything else.
  • A negative month in the 12-month chart usually means a yearly premium or fee — plan for it now.

Where will we be?

Open Where will we be? →

What it's for: Project the household forward for any number of months or years — at today's pace, or with changes you are considering.

How to use it

  1. Choose how far ahead to look, in months or years.
  2. Optionally add an extra yearly income increase, a spending change from next month, or different returns.
  3. Press Project. Compare the “Same pace” and “With your changes” lines, the milestones (net worth thresholds, loans repaid, any cash shortfall) and the year-by-year table.

Get the most out of it

  • Try a 5% spending cut and a 2-point higher increment separately to see which moves you further.
  • To keep a what-if for later, save it as a Scenario.
  • On Free you can look up to 10 years ahead with one change at a time; Plus goes to 50 years and combines all three.

Family & dependents

Open Family & dependents →

What it's for: Everyone the plan covers — adults with their own login and people without one, like children and parents — with their support costs.

How to use it

  1. Add each person with their relationship and date of birth.
  2. For a dependent, add support costs (school fees, medicines) with start and end dates.
  3. Mark a profile Restricted to hide its details from editors and viewers; its costs still count in totals.
  4. When a dependent becomes an adult, owners can create an invitation link to give them their own login.

Get the most out of it

  • End dates matter — a support cost that ends when a child finishes college frees up surplus the forecast will show.
  • The Free plan includes up to 4 people (including you); Plus is unlimited.

Income

Open Income →

What it's for: Every regular source of money for each person — salary, business, rent, pension, interest.

How to use it

  1. Add each source with its take-home amount and how often it arrives.
  2. Set the yearly growth you expect; it applies once a year.
  3. Add an end date for income that stops, such as a fixed-term contract.

Get the most out of it

  • Use take-home, not CTC. Bonuses are best entered as a yearly item so they don't inflate every month.

Expenses

Open Expenses →

What it's for: Regular and time-limited household costs in today's prices, each inflating at its own rate or the household rate.

How to use it

  1. Add each cost with its frequency (monthly, quarterly, yearly) and category.
  2. Mark it essential or discretionary — the emergency runway counts only essentials.
  3. Leave “Supports” empty for ordinary household costs. Choose a person only for costs you pay for a dependent (school fees, a parent's medicines) — they then show on that person's profile.
  4. Give an item its own inflation rate when it rises faster than the household rate, such as school fees or healthcare.

Get the most out of it

  • Check the 10-year inflation chart: it shows which categories will grow fastest in rupees.

Assets

Open Assets →

What it's for: What the household owns — bank balances, deposits, EPF/PPF/NPS, funds, shares, gold, property, vehicles and insurance.

How to use it

  1. Add each asset with its current value and an “as of” date.
  2. Set its liquidity and expected return (official defaults are suggested for PPF, EPF and FDs).
  3. Earmark part of an asset for a goal so it isn't counted as emergency money.
  4. Arrived from a row in the dashboard's Asset mix? Holdings shows only that kind of asset; use “Show all holdings” to see everything again.

Get the most out of it

  • Update values every quarter — the dashboard flags figures older than 90 days.

Loans & cards

Open Loans & cards →

What it's for: Outstanding loans and credit cards. EMIs reduce your monthly surplus and drive the debt-service ratio.

How to use it

  1. Add each loan with the outstanding balance, interest rate and EMI.
  2. Add credit cards with the outstanding amount and credit limit.
  3. See the payoff chart for when each loan ends.

Get the most out of it

  • Use the Loan calculator to test a prepayment before you make it, then update the balance here.

Goals

Open Goals →

What it's for: Future costs the family is saving for, inflated to their target dates, with the monthly amount each one needs.

How to use it

  1. Add a goal with its target date, goal inflation, priority and total cost in today's prices — one amount for the whole goal, not per month or per year.
  2. Retirement: choose the type Retirement and use “Work out the retirement fund”. Enter your monthly expenses after retirement (it starts at what the household spends now) and the yearly interest the fund will earn (it starts at the Senior Citizens Savings Scheme rate). It shows the fund needed on your retirement date so its interest alone pays those expenses, and fills in the cost for you.
  3. Monthly contribution: choose “Work it out for me” and the plan sets aside exactly what the goal needs each month, recalculated as time passes and savings grow. Or choose “I'll enter my own” for a SIP you already run — the form shows what is needed and how far short your amount is.
  4. Earmark assets towards it from the goal's page; their expected growth reduces what is needed each month.
  5. Open a goal to see the formula, saved vs projected progress and the gap.

Get the most out of it

  • The dashboard flags any goal heading for a shortfall (critical for essential goals) and warns when goals together need more than your monthly surplus — move dates or priorities rather than ignoring it.
  • No retirement goal yet? The dashboard reminds you and links straight to a ready-made one.
  • Interest alone keeps a retirement fund intact but does not grow with prices after you retire; a lower interest rate in the calculation builds in a margin.
  • In a CSV import or export, “auto” in planned_monthly_inr means “Work it out for me”.
  • Review goal costs once a year; education fees in particular change quickly.
  • Free includes 3 goals; Plus is unlimited. Start with the goals that matter most.

Scenarios

Open Scenarios →

What it's for: Ask “what if?” without touching your real plan — job loss, a pay cut, higher inflation, a new expense, delayed goals.

How to use it

  1. Create a scenario and give it a clear name, e.g. “Rahul between jobs for 6 months”.
  2. Add one or more adjustments: income loss or pay cut, inflation or returns higher/lower, a new expense, delayed goals, contribution changes, faster income growth, a spending change, a dependent becoming independent.
  3. Open it to compare its net worth line and key figures with your current plan.

Get the most out of it

  • Keep a standing “income loss” scenario — it tells you how long the household can cope.
  • Free keeps 1 saved scenario; Plus keeps as many as you like.

Allocation estimates

Open Allocation estimates →

What it's for: Educational estimates of how a goal's savings could be split across broad asset classes, based on time to the goal and your risk profile.

How to use it

  1. Set your risk profile in Household settings.
  2. Review the suggested mix per goal — longer horizons allow more growth assets.

Get the most out of it

  • These are broad classes only, never named products. Speak to a SEBI-registered adviser before investing.

Data, access & privacy

Bringing data in and out, who can see what, and keeping your account safe.

Import & export

Open Import & export →

What it's for: Move data in and out as CSV, download everything you can access as JSON, or print the plan.

How to use it

  1. Export a CSV to see the exact column format.
  2. Fill it in a spreadsheet and import it (Plus) — incomes, expenses, assets, loans and goals can be imported. You see a preview before anything is saved.
  3. Use Print plan for a clean paper or PDF copy. On Plus it adds a 10-year projection and your net-worth history.

Get the most out of it

  • Every row is checked; if any row has a problem, nothing is saved and the preview tells you which row to fix.

Household settings

Open Household settings →

What it's for: Planning assumptions and who can access the household.

How to use it

  1. Set household inflation, return assumptions, emergency-fund target (months), risk profile and when figures count as out of date.
  2. Invite people as Owner (everything, including access), Editor (change the plan) or Viewer (read only).
  3. Link the invitation to the person's existing profile so their date of birth, support costs and goals stay with them. They open the link, create an account with their name and e-mail already filled in, set up two-factor sign-in and land straight on your family dashboard.
  4. Free allows 2 people with their own login (you and a partner, including pending invitations); Plus is unlimited.

Get the most out of it

  • Keep assumptions modest. A plan that works at 6% inflation and 7% returns is sturdier than one that needs 12%.

Plans, trial & billing

Open Plan & billing →

What it's for: Everything most families need is free. Plus (₹1,199 a year or ₹149 a month, incl. GST) covers the whole household and adds capacity and convenience — never advice.

How to use it

  1. Owners can start a 30-day free trial once per household — no card or UPI needed.
  2. To upgrade, choose a month or a year and pay by UPI, card or netbanking on Razorpay's secure page. A household's first year is ₹799.
  3. You get an e-mail receipt; all receipts are listed in Plan & billing.
  4. Plus does not renew automatically. We e-mail owners 7 days before it ends; paying early adds the time on top.
  5. Turn the monthly review e-mail on or off in Plan & billing.

Get the most out of it

  • Calculators, suggestions, allocation estimates, security, export and deletion are free for everyone — SEBI rules don't allow charging for advice without registration, so we don't.
  • If Plus ends, nothing is deleted. You just can't add beyond the Free limits until you renew or remove something.
  • Refunds: ask within 7 days of a payment for a full refund.

Audit history

Open Audit history →

What it's for: Every change to the plan and to access, newest first. Entries cannot be edited or deleted.

How to use it

  1. Scan the list to see who changed what and when; use the link at the bottom to page back to older entries.

Get the most out of it

  • Unexpected entry? Change your password and review Account & privacy.

Account & privacy

Open Account & privacy →

What it's for: Your sign-in security, active sessions, consents, data export and account deletion.

How to use it

  1. Regenerate backup codes if you have used most of them.
  2. See where you are signed in, and sign out all other devices if you used a shared computer.
  3. Review or withdraw optional consents.
  4. Download all your data, or delete your account.

Get the most out of it

  • Sensitive fields are encrypted, and passwords, PAN and full account numbers are never logged.

Getting the best outcome

Habits that keep the plan accurate and turn it into decisions.

A simple routine

What it's for: Ten minutes a month keeps the plan accurate enough to act on.

How to use it

  1. Monthly: check the dashboard's surplus and Risks & checks; note any big one-off spends.
  2. Quarterly: update asset values and loan balances (clears “Needs updating”).
  3. Yearly, after appraisals: update incomes, goal costs and inflation overrides; re-run Where will we be?
  4. Before any big decision — a loan, a job change, a purchase — model it as a Scenario first.

Get the most out of it

  • Review together as a family; goals work better when everyone agrees the priorities.

Principles for the best outcome

What it's for: What tends to move a household's numbers the most.

How to use it

  1. Build the emergency runway to your target (6 months by default) before investing for long goals.
  2. Keep the debt-service ratio under 30%; prepay the costliest loans first.
  3. Give each goal its own earmarked money and monthly contribution, in priority order.
  4. Increase contributions with every pay rise — a yearly step-up beats chasing returns.
  5. Use goal-specific inflation; under-estimating it is the most common planning mistake.

Get the most out of it

  • Every figure here is a planning estimate, not a guarantee or financial advice.

Glossary

Surplus
Monthly income minus expenses and EMIs — what is left to save.
Emergency runway
How many months liquid, un-earmarked money could cover essential spending.
Debt-service ratio
EMIs and card minimum dues as a share of monthly income.
Net worth
Everything owned minus everything owed.
Liquid assets
Cash, bank balances and anything you can redeem within days. Money earmarked for goals is counted here but left out of the emergency runway.
Monthly income
Incomes active today, as a monthly figure. Quarterly and yearly amounts are spread across the months; one-time amounts are left out.
Monthly expenses
Expenses active today, as a monthly figure spread the same way. “Essential” is the part you marked as must-pay.
Monthly EMIs
Instalments on loans that are still running. Credit-card minimum dues count in the debt-service ratio, not here.
Asset mix
Your assets grouped by kind: equity, debt and deposits, gold, cash and bank, property, vehicles, and mixed holdings such as NPS and mutual funds.
Cost in today's prices
What the whole goal would cost if you paid for it today — one total, not per month or per year. The plan grows it with the goal's inflation to the target date.
Future cost
What a goal will cost on its target date, after its own inflation.
Funding gap
The part of a goal's future cost that today's savings and planned monthly contributions are not expected to cover.
Goal inflation
How fast a particular goal's cost rises each year — often higher than general inflation.
Today's money
A future amount shrunk by inflation, so you can compare it with prices now.
EMI
Equated monthly instalment: the fixed monthly loan payment covering interest and principal.
True yearly cost
A loan's yearly rate after including processing fees and GST.
Corpus
The total accumulated at retirement or at a goal's date.
EPS pension
Employees' Pension Scheme: part of the employer's PF contribution goes here and pays a monthly pension, if you have at least 10 years of service.
Annuity
A product bought with part of a retirement corpus that pays a fixed monthly pension.
Earmarked
Part of an asset set aside for a specific goal, so it is not counted as spare cash.
Plus
The paid household plan: unlimited people, goals and scenarios, longer forecasts, CSV import, history and review e-mails.

Sampatti Plan is a planning and tracking tool. Everything it shows is an estimate for education — not financial, tax or investment advice, and not a guarantee of returns.