About MoneyLifeMap

Indian life has about a dozen big money events in it. A home loan. Kids — their school, their college, their marriage. Medical costs as parents age and as you age. An emergency you hope never comes. Retirement, stretching across decades you can't fully picture.

Every one of these happens in the same life, to the same income. But nobody ever sees them together.

You plan them one at a time. A retirement calculator on one site. An EMI calculator on another. A college cost estimator somewhere else. Each tool shows you its one event in isolation, hands you a number, and sends you on your way. You close the tab and move on, never having seen how the home loan sits next to the kid's college sits next to retirement — all of it happening to you, across the same thirty or forty years.

MoneyLifeMap puts every major financial event of your life on one table. Home loan, medical, emergency buffer, kids' school and college and marriage, retirement — all of it, laid out in order, across the decades ahead. One screen. One view. Your entire financial life.

Most people see this picture for the first time in their 50s, when it's too late to do anything about it. The point of MoneyLifeMap is to let you see it at 30, or 35, or whenever you're ready — while you still have time.

The tool is free and stays free. Build your whole plan, toggle events on and off, adjust what you need to, see the full map of your life — without signing up, without paying. I only ask for your email when you want to unlock the monthly commitment number — the final "what do I need to save every month" figure — because I save your plan encrypted so you can come back and update it as your life changes. Not to market anything to you.

I'm Abhinav, a software developer based in Hyderabad. I'm not a financial advisor, a chartered accountant, or an investment professional. I'm an engineer who went looking for his own answers, realised no tool showed him the whole picture, and built one.

MoneyLifeMap is a solo project. No company, no team, no investors — just me and a laptop. If you email me, I'm the one who replies.

MoneyLifeMap is an educational planning tool. It lays out estimated costs for common Indian life events, based on publicly available data and assumptions you can see and change.

The numbers are estimates. Real inflation, your actual expenses, real market returns, and life events nobody can foresee will all make reality differ — sometimes significantly. Use the output to start a real conversation with yourself, your spouse, or a professional. Not a plan to act on blindly.

If the tool tells you something that contradicts your real situation, email me. Those cases are how it gets better.

I'm not registered with SEBI, IRDAI, or RBI. I hold no license to sell insurance, distribute mutual funds, or advise on investments. MoneyLifeMap makes no such claim.

If you need advice on your specific situation, please consult a SEBI-registered Investment Advisor (RIA) — ideally a fee-only one who charges you directly instead of earning commissions from products they suggest. You can verify any advisor's registration on the SEBI website.

If the stakes are high, pay a fee-only advisor a few thousand rupees for an hour. It's worth it. MoneyLifeMap helps you walk into that conversation already knowing what questions to ask. It doesn't replace the conversation.

MoneyLifeMap is free and stays free. Hosting, domain, email, and development costs are paid from affiliate commissions — earned when users click partner links on this site (mutual fund platforms, insurance aggregators, loan comparison sites) and complete a transaction on those partner sites.

I'm disclosing this openly because you deserve to know. A few commitments about how it works here:

• · The map is drawn before you see any partner link. Your plan doesn't change based on who's paying me.
• · Partners shown below your plan are matched to the events you've turned on, not ranked by who pays the highest commission.
• · I won't add credit card referrals, payday loans, or unregulated investment products — regardless of what they pay.
• · I don't sell your individual data. I don't share your plan with anyone.

Until you sign in, your plan lives only in your browser — I don't see it, store it, or have any way to access it. If you sign in to unlock the monthly commitment card, your plan is saved encrypted (AES-256-GCM) in a database row tied to your email, and nothing else. You can delete your plan and your account at any time by emailing me.

I also maintain an anonymised cohort table — aggregate patterns like "users aged 30–35 in T2 cities tend to project a ₹X retirement corpus" — to improve the tool's defaults, identify where my assumptions are off, and understand how Indians are actually planning their financial lives.

Over time, insights drawn from this aggregated layer may be published as research reports, shared with academic or institutional partners, or licensed to organisations that benefit from understanding Indian financial planning behaviour — such as regulators, researchers, financial product companies, and media. Your individual plan is never part of this — only aggregated patterns that cannot be traced back to any single user. You can opt out at any time from your account settings.

Full details, including what fields go in, how long they're kept, and the opt-out mechanism, are in the Privacy Policy.

MoneyLifeMap is operated in compliance with India's Digital Personal Data Protection Act, 2023.

Email abhi@moneylifemap.com. I read everything and reply to most within a few days. Bug reports, feature requests, disagreements with my assumptions, corrections, and brutal feedback — all welcome.

I'm especially interested in cases where the map tells you something that contradicts your lived reality. Those cases are what make it better — for you and for everyone who uses it after you.