Financial Overview
Your monthly money snapshot — enter your salary and get instant clarity
Monthly In-Hand Salary
Enter the amount you actually receive every month (after tax deductions)
Total Salary
₹1,00,000
Monthly In-Hand Income
Needs & Essentials
₹55,000
55% · Rent, Food, Bills
Emergency Fund
₹10,000
10% · Safety Net
Total Investments
₹35,000
35% · Wealth Building
Money Allocation
Investment Split
Goal Allocation
Smart Money Rules
Use the 50-30-20 rule: 50% Needs, 30% Wants, 20% Savings — or use Balanced Mode for better results.
Build an Emergency Fund equal to 3-6 months of expenses before investing aggressively.
Start SIP early — even ₹5,000/month at 12% return grows to ₹50 Lakh in 20 years.
Crypto should never exceed 5% of your portfolio. It is high-risk and highly volatile.
Monthly Snapshot — Where Every Rupee Goes
Investment Planner
Choose your investment style and customise how your salary is allocated
Choose Your Investment Style
Safe / Conservative
60% Needs · 10% Emergency · 30% Invest — Low risk, stable returns. Good for beginners.
Balanced — Recommended
55% Needs · 10% Emergency · 35% Invest — Best for salaried individuals. Mix of safety and growth.
Growth / Aggressive
50% Needs · 10% Emergency · 40% Invest — Higher risk, higher returns. For risk-tolerant investors.
Custom Investment Split — Adjust Percentages
All four values must add up to exactly 100%
Current Allocation Table
| Bucket | % of Salary | Monthly Amount (₹) | Yearly Amount (₹) |
|---|
Investment Breakdown
Detailed view of where your investment money goes — instrument by instrument
Equity — Stocks & Mutual Funds
₹21,000
Medium Risk
Expected returns: 12–15% p.a.
| Instrument | Allocation % | Monthly (₹) |
|---|
Debt — Bonds & Fixed Income
₹10,500
Low Risk
Expected returns: 6–8% p.a.
| Instrument | Allocation % | Monthly (₹) |
|---|
Gold / Commodities
₹2,800
Low Risk
Expected returns: 7–10% p.a.
| Instrument | Allocation % | Monthly (₹) |
|---|
Crypto Assets
₹700
Very High Risk
Crypto is an extremely volatile asset. Only allocate a small amount (2–5%) that you are fully prepared to lose. Do not invest emergency funds in crypto.
BTC / ETH / Altcoins
₹700
Goal Mapping
Your investments aligned to real life goals — see how each goal is funded monthly
Child Education
₹10,526
30% of investments
Retirement Corpus
₹10,526
30% of investments
Home Purchase
₹3,947
11% of investments
Travel & Vacation
₹10,000
28% of investments
Goal Distribution Table
| Goal | % of Investments | Monthly Contribution (₹) | Yearly (₹) |
|---|
SIP Calculator
Calculate how much your monthly SIP investment will grow over time with compound interest
SIP Parameters
Adjust the values to calculate your projected wealth
* Returns are estimated. Actual returns may vary based on market conditions.
Projected Results
Total Invested
₹12,00,000
Wealth Gained
₹9,07,946
Total Corpus — Final Amount
₹21,07,946
Expense Tracker
Track your monthly expenses to see how much you're actually saving
Add Expense
Record your daily expenses by category
This Month's Expenses
No expenses added yet
Total Expenses
₹0
Salary
₹1,00,000
Balance Left
₹1,00,000
Monthly Report
Your complete financial summary — printable and shareable
Investto — Monthly Report
Smart Investment Planner
investto.app
investto.app
Monthly Salary
₹1,00,000
Investment Mode
Balanced
Total Invested
₹35,000
Bucket Allocation
| Bucket | Percentage | Monthly Amount (₹) |
|---|
Investment Breakdown
| Asset Class | Percentage | Monthly Amount (₹) |
|---|
Goal Mapping
| Goal | Percentage | Monthly Amount (₹) |
|---|
How to Host Investto
Step-by-step guide to host this app online so anyone can access it — for free
Recommended Hosting Platforms (Free)
Netlify
Drag and drop. Instant. Best for beginners.
Easiest
GitHub Pages
Free hosting via GitHub. Very reliable.
Free Forever
Vercel
Fast, modern hosting. Good for scale.
Fast CDN
Firebase Hosting
Google's platform. Reliable and fast.
Google Backed
Option 1 — Netlify (Easiest, No Coding Required)
1
Save this file as investto.html
Download or save this entire HTML file to your computer. Name it investto.html
2
Go to netlify.com
Open your browser and visit https://netlify.com — create a free account using your email or Google account.
3
Drag and Drop to Deploy
In the Netlify dashboard, scroll down. You will see a drag-and-drop zone. Simply drag your investto.html file and drop it there. Netlify will automatically deploy it.
4
Get Your Live URL
Within seconds, Netlify gives you a live URL like https://random-name.netlify.app. Share this link with anyone. You can also set a custom domain.
5
Optional — Set Custom Domain
In Netlify, go to Site Settings > Domain Management. Add your domain like investto.in. You can buy a .in domain for ₹500–₹800/year from GoDaddy or Hostinger.
Option 2 — GitHub Pages (Free + Version Control)
1
Create a GitHub Account
Go to https://github.com and sign up for a free account.
2
Create a New Repository
Click the "+" icon → New Repository. Name it investto. Keep it public. Click "Create repository".
3
Upload Your File
Click "uploading an existing file". Rename your file to index.html before uploading. Click "Commit changes".
4
Enable GitHub Pages
Go to Repository Settings → Pages. Under "Source", select "main" branch. Click Save. Your site is live at:
https://yourusername.github.io/investto
Hostinger Hosting Setup (Paid, More Professional)
1
Login to Hostinger
Go to https://hostinger.in and login to your hosting account. Go to "Hosting" section.
2
Open File Manager
In hPanel (Hostinger dashboard), click "File Manager". Navigate to the public_html folder — this is your website root.
3
Upload and Rename
Upload your file. Rename it to index.html inside public_html. This makes it the homepage of your domain.
4
Visit Your Domain
Open your browser and go to your domain. Investto will load instantly. Add SSL certificate (free in Hostinger) for https:// security.
How to Scale Investto in the Future
Phase 1 — Now
Static HTML App
What you have right now. Host as a single HTML file. Free and instant. Works for personal use and sharing.
Phase 2 — Growth
Add User Accounts
Integrate Firebase Auth. Let users sign up and save their data in the cloud. Use Firebase Firestore as database.
Phase 3 — Product
Build a Real App
Convert to React + Node.js backend. Add real portfolio tracking, stock price APIs (Groww, Zerodha), and push notifications.
Phase 4 — Business
Monetize
Add premium plans (₹99/month). Partner with mutual fund platforms for commissions. Launch on Product Hunt and IndieHackers.
Phase 5 — Scale
Mobile App
Convert to React Native or use Capacitor.js to wrap your web app as an Android + iOS app. Publish on Play Store and App Store.
Phase 6 — Enterprise
API & B2B
Offer Investto as a white-label product to HR companies and fintech startups. Provide the investment planner as an embeddable widget.
Useful Resources & Links
Netlify Free Hosting: https://netlify.com — Drag and drop, instant SSL, free custom domain support
GitHub Pages: https://pages.github.com — Free hosting with version control
Domain Registration: GoDaddy.com, Hostinger.in — .com from ₹800/yr, .in from ₹500/yr
Firebase (Free Backend): https://firebase.google.com — Add user login and cloud storage for free
Vercel: https://vercel.com — Fast global CDN, great for React apps later