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Your Goals
10.8%
done
₹19,800/mo gap
₹540,000 saved
Target
₹5,000,000
Deadline
2033-07
Monthly SIP
₹10,100
Steps done
2 / 10
Roadmap progress
Step 3 of 10
Improve CIBIL score to 750+
Check free score on CIBIL/Experian · pay dues, reduce utilisation below 30%
12.5%
done
On track ✓
₹100,000 saved
Target
₹800,000
Deadline
2028-07
Monthly SIP
₹10,000
Steps done
1 / 6
Roadmap progress
Step 2 of 6
Know your savings gap
Monthly gap: ₹0/mo — timeline < 24 months → debt funds only, no equity
0.72%
done
₹2,400/mo gap
₹216,000 saved
Target
₹30,000,000
Deadline
2051-07
Monthly SIP
₹4,000
Steps done
1 / 9
Roadmap progress
Step 2 of 9
Know your monthly investment needed
Gap engine shows exact SIP · rule: (100 − age)% in equity
Today's Habits
3/6 done · +21 tokens
📈
Check SIP progress
✓
📰
Read market news
✓
💰
Log daily expense
✓
🎯
Review goal progress
🚗
Transfer to car RD
🧾
Check NPS contribution
Recent Activity
Habit completed
Checked SIP progress · +7 tokens
2026-07-14 10:30
Habit completed
Read market news · +7 tokens
2026-07-14 09:45
Gap recalculated
Home gap ₹19,800/mo after FD credit · 3 paths shown
2026-07-14 09:15
FD found & credited
₹2L FD at 7.2% → reduces home gap by ₹6,700/mo
2026-07-14 08:45
Goal conflict resolved
Car delayed 6 mo · ₹4K/mo redirected to home SIP
2026-07-14 08:00
Fund routing done
Car→RD · Home→Balanced Adv · Retirement→Index+NPS
2026-07-14 07:30
3 SIPs activated
₹10,100 + ₹10,000 + ₹4,000 auto-debit on 5th
2026-07-14 07:00
Retirement gap noted
₹2,400/mo gap · 25yr horizon → compounding works
2026-07-14 06:30
Plan complete
Total invested: ₹24,100/mo across 3 goals
2026-07-14 06:00
My Goals
3 active goals · Track progress and update savings
🏠
Buy a Home
₹5,000,000 · 2033-07
₹540,000 saved
10.8%
🚗
Buy a Car
₹800,000 · 2028-07
₹100,000 saved
12.5%
🌅
Retirement Corpus
₹30,000,000 · 2051-07
₹216,000 saved
0.72%
Daily Habits
3 of 6 done today · +21 tokens earned
Check SIP progress
✓
Read market news
✓
Log daily expense
✓
Review goal progress
Transfer to car RD
Check NPS contribution
Gap Engine
Monthly savings shortfall per goal — three paths to close each gap
Buy a Home
Target: ₹5,000,000 · 2033-07
₹540,000 saved
10.8% funded
Monthly need
₹29,900
You save
₹10,100
Monthly gap
₹19,800
Return rate
11.0%
📊 Balanced Advantage Fund
· 9–11% p.a.
Buy a Car
Target: ₹800,000 · 2028-07
₹100,000 saved
12.5% funded
Monthly need
₹10,000
You save
₹10,000
Monthly gap
None ✓
Return rate
7.0%
📊 Recurring Deposit
· 6.5–7.5% p.a.
Retirement Corpus
Target: ₹30,000,000 · 2051-07
₹216,000 saved
0.72% funded
Monthly need
₹6,400
You save
₹4,000
Monthly gap
₹2,400
Return rate
12.0%
📊 Index Fund + NPS
· 11–13% p.a.
Calculators
10 free tools — SIP, EMI, retirement, tax and more
Investment
SIP Calculator
Monthly SIP returns
CAGR Calculator
Annualised growth rate
FD Calculator
Fixed deposit maturity
PPF Calculator
Public provident fund
NPS Calculator
National pension scheme
Loans & Retirement
EMI Calculator
Home / car loan EMI
Retirement Calculator
Corpus planning
Net Worth
Assets vs liabilities
Tax
Portfolio Tracker
Live market prices — connect your holdings after sign-up
Nifty 50
22,350
▲ +0.82% today
Gold (10g)
₹72,500
▲ +0.31% today
USD / INR
₹83.45
▼ -0.12% today
📊
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NRI Corner
Tools for Indians living and working abroad
Community
Connect with other Moneykar users — early access
💬
SIP & Mutual Funds
Share strategies, track performance together
🏍
Real Estate Talk
Home buying tips, EMI calculators, locality reviews
✈ï¸
NRI Finance
Cross-border tax, remittance, investments
🎯
Goal Accountability
Share your goal, get a buddy, stay on track
📈
Market Pulse
Daily movers, macro news, earnings reactions
🛡ï¸
Emergency Planning
Job loss, medical fund, insurance reviews
MK Tokens
Earn tokens for every financial action you take
🪙
147
Sample balance · Sign up to earn real tokens
Ways to earn
🎯
Add a financial goal
Every new goal you create
💰
Update savings
Monthly progress update
🔥
Daily habit check-in
Complete a habit each day
🧮
Use a calculator
SIP, EMI, tax calculators
🏍†
Complete a goal
Reach 100% on any goal
👥
Refer a friend
They sign up and add a goal
Leaderboard
Top users by MK Tokens this month
| Rank | User | Tokens | Goals |
|---|---|---|---|
| 🥇 |
Priya M.
Mumbai
|
842 | 3 goals |
| 🥈 |
Arjun K.
Dubai
|
771 | 2 goals |
| 🥉 |
Sneha R.
Singapore
|
698 | 4 goals |
| 4 |
Ravi T.
Bangalore
|
621 | 2 goals |
| 5 |
Meera S.
London
|
580 | 3 goals |
| 6 |
Kiran D.
Toronto
|
512 | 1 goal |
| 7 |
Ananya P.
Hyderabad
|
488 | 2 goals |
| — |
You
—
|
147 | 1 goal |