Plan Your Financial Future with The Wealth Architect

AI-powered financial planning tool with Google Gemini AI that helps you visualize your financial future, plan for life events, and optimize your savings.

Google Gemini AI Financial Advisor

Get personalized financial advice powered by Google's Gemini AI

Chat with AI Financial Advisor

Real AI Integration: Enter your Gemini API key below to enable real AI conversations
Get your free API key from Google AI Studio
Gemini AI Advisor
Hello! I'm your AI financial advisor powered by Google Gemini. I can help you with:
  • Investment strategies
  • Debt management
  • Retirement planning
  • Tax optimization
  • Budgeting advice
Ask me anything about your finances!
Just now
Quick questions:

Start Your Financial Planning

Enter your financial details step by step to get personalized insights

Personal Details

Your current age affects investment horizon and risk profile.
Standard retirement age is 60. Early retirement requires more savings.

Monthly Income & Expenses

₹
Enter your take-home salary after all deductions.
₹
Expenses should be less than 60% of income for healthy finances.
Expected annual increase in your monthly savings amount.
Expense Analysis
Enter income and expenses to see analysis
Monthly Summary
Income: ₹0
Expenses: ₹0
Savings: ₹0
Savings Rate: 0%

Current Savings & Debt

₹
Include all savings, investments, and emergency funds.
Average returns: Stocks 12-15%, Mutual Funds 10-12%, FDs 6-7%.
₹
Click for debt breakdown calculator
Credit cards: 24-36%, Personal loans: 10-18%, Home loans: 8-10%.
Debt Health Check
Debt-to-Income Ratio: 0%
Monthly EMI: ₹0
Keep debt-to-income ratio below 40% for healthy finances.

Life Events Planner

Plan for major life events. Toggle events on/off and customize details.

Financial Projection

Projecting 5 years of financial growth
Click to calculate your financial projection based on all inputs

Wealth Projection Chart

Net Worth
Savings & Investments
Debt

Net Worth Projection

₹0
+0%

Projected net worth in 5 Years

Debt-to-Income Ratio: 0%
Estimated Credit Score:
750

Retirement Planning

₹0

Projected retirement corpus at age --

Retirement Progress 0%
Years to Retirement: 0
Current Age: --

Financial Health Meter

0 /100
Poor Average Good Excellent

Enter your financial details below to see your financial health score

One-Click Financial Optimization

Click any option below to get personalized strategies (calculate your financial future first)

Financial Milestones Ahead

No calculations yet

Calculate your financial future to see milestones

AI Financial Insights

No insights yet

Calculate your financial future to see personalized insights

Save & Compare Scenarios

No saved scenarios yet

Save your first scenario to compare different financial plans

Export & Share

Why Choose The Wealth Architect?

Discover the features that make The Wealth Architect the best financial planning tool

Comprehensive Projections

Get detailed 5, 10, or 20-year financial projections with interactive charts and graphs.

Google Gemini AI

Powered by Google's latest Gemini AI for personalized financial advice and optimization.

Life Event Planning

Plan for major life events like marriage, home purchase, education with accurate cost projections.

Real-time Calculations

Get instant financial health scores and projections as you enter your data.

Scenario Comparison

Save and compare different financial scenarios to make better decisions.

Export & Share

Export your financial plans as PDF, JSON, or share with family and advisors.

How to Use The Wealth Architect

Step-by-Step Guide:
  1. Enter Personal Details: Start with your age and retirement age
  2. Input Income & Expenses: Enter your monthly cash flow
  3. Add Savings & Debt: Include current savings and any outstanding debt
  4. Plan Life Events: Add major expenses like marriage, home purchase, etc.
  5. Calculate Projection: Click "Calculate My Financial Future"
  6. Review Results: Check your wealth projection and insights
  7. Get AI Advice: Chat with the AI advisor for personalized tips
  8. Save & Compare: Save scenarios and compare different strategies
Pro Tips:
  • Use realistic numbers for accurate projections
  • Try different scenarios to see how changes affect your future
  • Enable/disable life events to see their impact
  • Get your free Gemini API key for real AI conversations
  • Export your plan to discuss with a financial advisor
  • Check your financial health score regularly