Investment strategy & retirement planning, built for India.
One app for Indian retail investors — Monte Carlo retirement stress-testing, a 3-Bucket tax-aware withdrawal engine, goal planning, deep mutual fund insights, and 16 financial calculators.
- 3,000
- Monte Carlo Iterations
- 900+
- MF Schemes Synced
- 16
- Financial Calculators
- 34+
- Learning Topics
Plan with precision, not guesswork
Institutional-grade planning tools built for the Indian retirement landscape — replacing spreadsheets and generic calculators. Save multiple plans to compare scenarios, with a guided wizard that takes first-timers to a full projection in minutes.
Dynamic Dashboards
Plan Health diagnostics indicating probability of success — not fixed targets. Know where you stand at every stage.
Monte Carlo Simulations
3,000-iteration simulations mapping P5/P25/P50/P75/P95 outcomes across historical market crashes.
Withdrawal Optimizer
Tax-aware withdrawal frameworks utilizing the 3-Bucket strategy — Equity, Debt, Cash.
Historical Backtesting
Your plan, tested against 25 years of real Nifty history — including the crashes. Rolling-window analysis shows how it would have actually survived.
Stress Test — Reality Check
Six predefined shocks — market crashes, inflation spikes, early-retirement scenarios — run against your plan, with a clear probability of success.
PDF Engine
One-tap export of personalized retirement projections with corpus timelines and drawdown schedules.
Every goal gets a plan — not just a number
Retirement isn't the only finish line. GuideFin lets you plan your child's education, a home, a wedding — each with its own assets, its own timeline, and its own inflation-adjusted target.
Goal Templates
Start from six ready-made goals — Child Education, Dream House, Car, Marriage, Medical Emergency, Holiday — or build your own from scratch.
Real Asset Mapping
Link what you actually own to each goal: mutual funds, stocks, NPS, PPF, Sukanya Samriddhi, gold, real estate, FDs, and savings. Nine asset classes, one clear picture.
Smart Warnings
GuideFin flags mismatches before they hurt — equity that's too volatile for a 2-year goal, or a PPF lock-in that outlasts your timeline.
Live Goal Status
Every goal carries a verdict: On Track, Needs Attention, or At Risk — recalculated as your assets and SIPs change, with an optimizer that shows exactly how to close the gap.
Coverage across India's premier AMCs
NAVs for 900+ schemes synced every market day, with expense ratios sourced from official AMFI monthly disclosures. Funds covered from 18 leading Asset Management Companies.
Institutional-grade fund insights
Proprietary metrics that go beyond star ratings. Evaluate mutual funds the way institutions do — manager skill scoring, risk metrics against true category benchmarks, dip analysis, and quality-first filtering.
Manager Skill Score
A proprietary read on whether returns come from the manager's decisions or just the market — so you know what you're actually paying for.
Fund Quality Rating
Multi-factor quality assessment combining manager skill, expense ratios, AUM stability, and risk-adjusted returns — beyond simple star ratings.
Market Dips Analysis
Historical visualization of every major market correction and each fund's behavior during the dip — drawdown depth, recovery timeline, and investor impact.
Dip & Buy Strategy
Algorithmic identification of optimal buy-the-dip entry points based on historical NAV patterns and moving average crossovers.
Risk Metrics vs Category
Beta, alpha, and volatility measured against a category-average benchmark GuideFin computes itself — not a lazy index proxy.
Peer Analysis
Any fund, side by side with its true category peers.
Strategy Lab
Four entry strategies — SIP, Step-Up SIP, Lumpsum, and Dip-Buy — simulated on each fund's real NAV history, up to 10 years, head to head.
Official Expense Ratios
TERs pulled from AMFI's monthly disclosures, always shown with their as-of date.
16 financial engines. One toolkit.
Every calculator an Indian investor needs — from SIP projections to EMI breakdowns. Try the web versions here, then unlock the full institutional suite in the app.
- Investments — SIP, Step-Up SIP, Lumpsum, SWP
- Government schemes — NPS, EPF, PPF, SSY, SCSS
- Deposits & loans — FD, FD with Payout, RD, EMI, Advanced EMI
- Planning — Inflation and Bucket Strategy engines
- Pit any two head-to-head — SIP vs PPF, FD vs RD — and see the winner with the math shown
Educational Learning Center
An embedded educational hub bridging the gap between calculation and financial literacy. Learn at your own pace and find answers fast. Lessons stream from the cloud — new topics arrive without waiting for an app update.
Extensive Library
34+ curated topics organized across 8 categories — Taxation, Behavioral Finance, Mutual Funds, Retirement, Government Schemes, and more.
Smart Progress Tracking
Integrated tracking so you know exactly where you left off. Resume your financial learning journey from any device.
Fast Search & Filter
Dynamic filtering lets you quickly look up answers to specific financial questions. Jump straight to the topic that matters.
Security & Trust
Your data. Your control.
Explore freely in Guest Mode — no account needed. A free email + OTP sign-in saves your plans and unlocks premium insights. Your plans stay private to your account — no passwords to leak — and we never sell your data.
Email + OTP
Sign-In
Full Access
Guest Mode
Never Sold
Your Data
Free
Pricing
Frequently asked questions
What is GuideFin?
GuideFin is India's first goal-driven retirement planning app featuring Monte Carlo simulations, 3-Bucket tax-aware withdrawal strategies, goal planning for life goals like education and a home, mutual fund intelligence across 900+ schemes, and 16 financial calculators including SIP, SWP, EMI, FD, NPS, and PPF. It is built by FinThinkHub for Indian retail investors.
How does the retirement calculator work in GuideFin?
GuideFin's retirement calculator uses 3,000-iteration Monte Carlo simulations to project retirement corpus outcomes across P5/P25/P50/P75/P95 confidence levels. It accounts for inflation, life events, and uses the 3-Bucket strategy (Equity, Debt, Cash) for tax-efficient withdrawals during retirement.
Can I use GuideFin for FIRE (Financial Independence, Retire Early) planning?
Yes. GuideFin supports FIRE planning with corpus shortfall detection, inflation-adjusted projections, and customizable retirement age targets. The Monte Carlo engine maps multiple market scenarios to show your probability of achieving financial independence at your desired age.
Can I plan for goals other than retirement?
Yes. The Goal Planning module covers education, home, marriage, car, medical and travel goals — each with its own assets, SIPs, inflation-adjusted target, and a live On-Track / At-Risk status. Start from six ready-made templates or build a custom goal from scratch.
What financial calculators are available in GuideFin?
GuideFin includes 16 calculators: SIP, Step-Up SIP, Lumpsum, and SWP for investments; NPS, EPF, PPF, SSY, and SCSS for government schemes; FD, FD with Payout, and RD for deposits; EMI and Advanced EMI (with prepayment scenarios) for loans; plus Inflation and Bucket Strategy planners. A comparison engine pits any two head-to-head — SIP vs PPF, FD vs RD — with the math shown.
How many mutual fund schemes does GuideFin track?
GuideFin syncs NAV data every market day for 900+ mutual fund schemes across 18 leading AMCs including HDFC, SBI, ICICI Prudential, Kotak, Mirae Asset, and Parag Parikh. Features include fund quality ratings, market dips analysis, historical backtesting, and expense ratio comparisons.
Where does the fund data come from?
NAVs sync daily on market days from public mutual fund data sources; expense ratios come from AMFI's official monthly disclosures and are shown with their as-of month.
Is GuideFin free to use?
Yes — no subscription. Guest Mode works without an account, with calculators and insights available for free. A free email + OTP sign-in unlocks saving plans and premium analysis. We never sell your data.
Download GuideFin
Available on Android. India's first goal-driven retirement planning app with institutional-grade analytics.