🇮🇳 India · Illustrative scenario

Two goals, one rising income, and a raise that kept vanishing

A dual-income couple, 34 — Pune, India

This is an illustrative scenario, not a real customer or testimonial. It's a composite built to show how the tools apply to a realistic situation in India — the persona and exact figures aren't a specific real person's data.

The situation

Combined household income of ₹1.8L/month, growing roughly 10% a year with occasional bigger jumps at promotion, but the SIP had stayed flat at ₹20,000/month for three years — every raise had quietly gone to lifestyle spending instead.

The approach

Used Build My Financial Plan's income growth path to model a 50:30:20 split that shifts toward investing as income rises, rather than letting needs and wants absorb every increment. Retirement and a child's future-education goal were run as separate, explicitly allocated targets instead of one vague "save more" instinct.

The outcome

Modeled investment share climbing from 22% of income in year 1 to roughly 55% by year 8 without a single year of felt lifestyle cutback — the gap between income growth and needs/wants growth did the work instead. The retirement goal moved from meaningfully short to fully funded at the modeled assumptions.

Tools used

Build My Financial Plan report
Income growth path
Goal allocation

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