Tools
Know your gaps before the market tests them.
A gap analysis first takes stock of where you stand — income, expenses, cover and corpus — then measures the distance to where you need to be, across emergency fund, insurance, retirement and goals.
Gap Analysis
Step one analyses your current position; step two shows the gaps between where you are and where you need to be — with what to do about each.
Your financial goals
Compare scenarios
| Measure | Current scenarioBest fit |
|---|---|
| Retirement age | 60 |
| Monthly retirement savings | ₹20,000 |
| Expected annual return | 11.0% |
| Assumed inflation | 6.0% p.a. |
| Readiness | 34 / 100 |
| Projected retirement corpus | ₹6,57,75,283 |
| Retirement gap | ₹2,56,02,393 |
| Projected corpus (today's money) | ₹1,53,25,551 |
| Retirement gap (today's money) | ₹59,65,322 |
| Extra monthly target | ₹76,800 |
| Monthly shortfall | ₹26,800 |
| Actions | — |
"Best fit" marks the scenario with the highest readiness score — the one that comes closest to meeting your goals. "Today's money" rows deflate future amounts by the assumed inflation rate of 6.0% p.a. — change it above and every figure updates instantly.
Overall readiness score
34 / 100
3 critical gaps need attention first: term life cover, health cover, major goal.
| Item | Have | Need | Gap | Status | Recommendation |
|---|---|---|---|---|---|
| Emergency fund | ₹3,00,000 | ₹4,80,000 | ₹1,80,000 | Needs attention | Build a 3-month plan to top this up before increasing investments. |
| Term life cover | ₹50,00,000 | ₹3,15,00,000 | ₹2,65,00,000 | Critical gap | A pure term plan closes this gap at the lowest cost — avoid mixing insurance with investment. |
| Health cover | ₹10,00,000 | ₹25,00,000 | ₹15,00,000 | Critical gap | Use a base policy plus a super top-up — far cheaper than one large base policy. |
| Retirement corpus | ₹6,57,75,283 | ₹9,13,77,676 | ₹2,56,02,393 | Needs attention | Increase the monthly SIP or extend the retirement age — even a 2-year delay shrinks the gap sharply. |
| Major goal | ₹0 | ₹89,54,238 | ₹89,54,238 | Critical gap | Fund the remaining target with dedicated monthly savings; keep retirement funds separate. |
Emergency fund: Build a 3-month plan to top this up before increasing investments.
Term life cover: A pure term plan closes this gap at the lowest cost — avoid mixing insurance with investment.
Health cover: Use a base policy plus a super top-up — far cheaper than one large base policy.
Retirement corpus: Increase the monthly SIP or extend the retirement age — even a 2-year delay shrinks the gap sharply.
Major goal: Fund the remaining target with dedicated monthly savings; keep retirement funds separate.
Your prioritised action plan
Protection first, then retirement; financial goals follow in deadline order. Targets are additional to your existing retirement savings.
| Priority | Action & next steps | Monthly target | Timeline |
|---|---|---|---|
| 1 | Complete your emergency fund
| ₹15,000 / month | 12 months |
| 2 | Buy pure term life cover
| ₹4,000 / month | Within 30 days |
| 3 | Top up health insurance
| ₹800 / month | Within 30 days |
| 4 | Increase your retirement SIP
| ₹16,100 / month | 25 years (to age 60) |
| 5 | Major goal
| ₹40,900 / month | 10 years (120 months) |
Total monthly target ₹76,800
Available monthly surplus ₹50,000
Shortfall₹26,800 — fund in priority order
Indicative only, based on standard planning benchmarks (6-month emergency fund, Human Life Value term cover, retirement through age 85, 6% inflation and 7% post-retirement return). Goal returns are capped at 7% for deadlines under five years. Insurance costs are rough estimates, not insurer quotes. Scenarios are held only for this visit; download your report to keep them. Discuss your exact numbers with us before acting.
A gap report is the starting point, not the plan.
Bring your report to a consultation and we will turn each gap into a sequenced, costed action plan.