Build a complete financial plan with our Robo Advisory Tool!

Published: September 18, 2021 at 10:23 pm

Last Updated on September 16, 2022

Get the freefincal robo advisory tool to plan from start to finish for retirement (early, normal, before and after), non-recurring financial goals (child education) and recurring financial goals (holidays, appliances etc.).

The tool would help anyone from ages 18 to 80 to plan for their retirement, six other non-recurring financial goals and four other recurring financial goals with a detailed cash flow summary.

More than 1000 investors and financial advisors are using the tool. The tool was recently featured in the Economic Times: Meet Pattabiraman, the man who helps many plan a better retirement through his calculators.

All inputs are fully customisable. It can be used for commercial use as well. Users will get all future updates as well.  

Presentation: The tool is available

  • as an Excel file with macros. It will work on Mac Excel and Windows Excel.
  • on Google Sheets with scripts.

There are nine Sheets with the following steps. A detailed video guide is available.

Video Guide

Robo Advisory Software: Read me First

This is the end-user license agreement. The user will have to agree to this upon first use.Robo advisory software free download

Step 1: Age of the user

For ages 18 to 25, a simple solution is provided with no further inputs. Older users will be asked if they are married or not and directed to the next sheet.

Step 2 Retirement Inputs

You can enter details relevant to creating your retirement plan here

You can include up to three post-retirement income streams

Step 3 Retirement Planning

This sheet tells you the investment strategy to be adopted before retirement (and up to retirement) with clear asset allocation break up and investment portfolio management suggestions.

If you are retired, you can obtain an opinion about the health of your retirement corpus.

and a detailed retirement bucket investment strategy in case the corpus is good enough.

You can play this simulation game to understand how the bucket strategy works: The Retirement Bucket Strategy Simulator

Step Four A: Non-recurring Goals

You can get a complete investment strategy for one-time goals like your children’s education, a business etc.

Step Four B: Recurring Goals

You can also plan for recurring goals like a holiday every other year, or a new car or iPhone every few years.

Step 5: Suggested Product Categories + “PlumbLine”

Investment suggestions for financial goals are listed here. In addition, PlumbLine offers a set of mutual funds to invest.

Step 6A: Independent portfolio vs Unified portfolio

The cash flow for two different portfolio models is available. You can see the video for more details.

This is a screenshot of step 6A.

Step 6B: Cash Flow

Independent portfolio

Unified portfolio

Video Guide

How to use the Robo Advisory Tool to check if you are ready to retire

Get the Robo Advisory Tool

All inputs are fully customisable. It can be used for commercial purposes as well. As of May 2022, 1000+ investors and financial advisors are using the tool. Users will get all future updates as well.

Google Sheets Edition (with scripts): Get the robo tool by paying Rs. 5160 (Google Sheets edition; Instant Download. No refunds allowed). One-time purchase.

Excel Edition (with macros): It will work on Mac Excel and Windows Excel.

Get the robo tool by paying Rs. 5160 (Excel edition; Instant Download. No refunds allowed). For support, write to freefincal [AT] Gmail [DOT] com. Please download the file and open it via Excel. One-time purchase.

Outside India? Then use this Paypal link to pay USD 80 (Kindly write to freefincal [AT] Gmail [DOT] com after you pay).

Beta Testing Team: The robo tool  was tested and enhanced by a team of friends and readers for over a month: Anirban Ghosh, Anish Mohan, Dashrath Memane, Guru Rudagi, Lokesh Shah, Mahesh Bangadkar, Muthu Krishnan V, Niranjan Kaushik, Prajal Sutaria, @Prashanth_Krish (Twitter handle follow him!!), Srinivasan SR, Sajo C Mathew, Prof. Shriram R, Srinivasan Sundararajan, Sumit Nisal, Vignesh Baskar, Balaji Swaminathan, Amarnath Reddy. I am indebted to their time, effort, consideration and dedication. Without their help, this release would not be possible.

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About The Author

Pattabiraman editor freefincalDr M. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. He has over nine years of experience publishing news analysis, research and financial product development. Connect with him via Twitter or Linkedin or YouTube. Pattabiraman has co-authored three print books: (1) You can be rich too with goal-based investing (CNBC TV18) for DIY investors. (2) Gamechanger for young earners. (3) Chinchu Gets a Superpower! for kids. He has also written seven other free e-books on various money management topics. He is a patron and co-founder of “Fee-only India,” an organisation for promoting unbiased, commission-free investment advice.
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Most investor problems can be traced to a lack of informed decision-making. We have all made bad decisions and money mistakes when we started earning and spent years undoing these mistakes. Why should our children go through the same pain? What is this book about? As parents, what would it be if we had to groom one ability in our children that is key not only to money management and investing but to any aspect of life? My answer: Sound Decision Making. So in this book, we meet Chinchu, who is about to turn 10. What he wants for his birthday and how his parents plan for it and teach him several key ideas of decision making and money management is the narrative. What readers say!
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