Last Updated on August 23, 2026 at 11:14 am
The freefincal robo-advisor software tool helps you plan your retirement (early, normal, before, and after), as well as non-recurring financial goals (such as child education) and recurring financial goals (like holidays and appliance purchases).
The tool helps anyone aged 18 to 80 plan for retirement, six other non-recurring financial goals, and four other recurring financial goals, with a detailed cash flow summary.
More than 3,500 investors and financial advisors use the tool. The tool was featured in the Economic Times: Meet Pattabiraman, the man who helps many plan a better retirement through his calculators.
- All inputs are fully customisable.
- You can also use it for commercial or professional purposes. Many advisors use this to create financial plans for their clients.
- One-time purchase, lifetime updates!
- All future updates will be sent to your registered email at no additional cost!
Presentation: The tool is available in two formats
- As an Excel file with macros. It will work in Excel for Mac and Windows.
- Or on Google Sheets with scripts.
The tool has nine Sheets with the following steps. A detailed video guide is available below.
Update: Sep 2025. A coast FIRE calculator module is included.
Update: July 2025. A new video guide is available. The equity allocation across the retirement buckets can be progressively reduced on a set glide path to improve safety. This option can be enabled or disabled for all buckets or individual buckets. We sent the updated version to all existing robo tool users.
Update: Oct 18th 2024. We have added the ability for users to add their custom asset allocation schedule. We sent all existing robo tool users the updated version.
Video Guide
Click to play
What users say
Getting the Robo Advisory tool is one the best decisions I made. It has given me the comfort that I can’t put a value on.
Very, very useful. I ‘retired’ early last year (@ 48), and use the tool once every year to make sure that my calculations and assumptions are not wayward. Robo advisory tool has helped ensure peace of mind!
Very useful for easily calculating required investment amounts particularly for one time goals.
Its a great tool. First time I am experiencing this type of a tool that provides practical strategies for financial planning.
Very useful. Not just for a great picture on the accumulation of corpus for goals, but also for the very comprehensive and thoughtful work put into making the low risk buckets, income flooring and annuity laddering sheets which are very valuable (and most importantly conservative) for the post retirement phase.
I found the robo tool extremely useful as it streamlined my goal planning and saved significant time. Easy to use, features improved both accuracy and efficiency in goal planning.
It helped tell me that I am not only on track for achieving my financial goals, but most likely in position to FIRE as well.
Very useful. Gave me a clear look into my status and preparedness for retirement and other goals. I could also experiment with different values for expenses/inflation/returns/etc. and understand how things change. At the end of this all, I had enough information to plan a proper retirement/other goal strategy.
I got to know about freefincal through youtube and decided to buy the tool so that I do not have to use my head in all these allocations and amounts to be invested. Nice tool btw, I brag about this among my friends.
Get the robo advisor tool
Get the robo tool by paying Rs. 5625 (Google Sheets edition; Instant Download. No refunds allowed). Use the discount code: robo25 for a 20% discount.
Use this link to get the tool to get the Robo Advisory Template Excel Sheets Edition at a 20% discount for Rs. 4500 only (the regular price is Rs. 5625). Use the discount code: robo25 (this will work on Mac and Windows Excel)
Outside India? Then use this Paypal link to pay USD 80 (Kindly write to freefincal [AT] Gmail [DOT] com after you pay).
Robo Advisor Screenshots
This is the end-user license agreement. The user will have to agree to this upon first use.
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
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.
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 customizable. You can also use the tool for commercial purposes. More than 3500 investors and financial advisors are using it, and users will receive all future updates.
One-time purchase; lifetime access. Price includes future updates to the sheet.
Have a question before or after buying? Need help confirming your transaction or need support? Contact Us. (Please do not write to Instamojo or PayPal support, as it will lead to unnecessary delays)
Get the robo tool by paying Rs. 5625 (Google Sheets edition; Instant Download. No refunds allowed). Use the discount code: robo25 for a 20% discount.
Use this link to get the tool to get the Robo Advisory Template Excel Sheets Edition at a 20% discount for Rs. 4500 only (the regular price is Rs. 5625). Use the discount code: robo25 (this will work on Mac and Windows Excel)
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, 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 assistance, this release would not have been possible. We also acknowledge useful ideas from Asish Prabhakar.
We are on Google News
Use this button to add freefincal.com as a preferred personal finance source on Google News.
Explore 1,400+ videos on YouTube!
Subscribe to get posts via email!
Join 32,000+ readers and get free money management solutions delivered to your inbox! (Link takes you to our email sign-up form)Join our WhatsApp Channel
Explore our products
🔥Join our community of 9000+ users! 🔥- Use our Robo-advisory Tool to create a complete financial plan! More than 3,500 investors and advisors use this! Use the discount code robo25 for 20% off. Plan your retirement (early, normal, before, and after), plus non-recurring financial goals (such as child education) and recurring financial goals (such as holidays and appliance purchases). The tool helps anyone aged 18 to 80 plan for retirement, plus six non-recurring and four recurring financial goals, with a detailed cash flow summary.
- Our Flagship Course! Learn to manage your portfolio like a pro to achieve your goals regardless of market conditions! More than 3,500 investors and advisors are part of our exclusive community! Get clarity on how to plan for your goals and achieve the necessary corpus no matter the market conditions! Watch the first lecture for free! One-time payment! No recurring fees! Lifelong access to videos! Reduce fear, uncertainty and doubt while investing! Learn how to plan for your goals before and after retirement with confidence.
- Join the freefincal investor circle! An exclusive space for investors, advisors, fintech employees and students to access financial planning and insurance tools, mutual fund and stock analysis tools, coding strategies and Excel macros for data extraction. 750+ members are now part of our investor circle.
- Increase your income by getting people to pay for your skills! More than 900 salaried employees, entrepreneurs and financial advisors are part of our exclusive community! Learn how to get people to pay for your skills! Whether you are a professional or small business owner seeking more clients through online visibility, or a salaried individual looking for side or passive income, we will show you how to do it by showcasing your skills and building a community that trusts and pays you. (Watch the 1st lecture for free). One-time payment! No recurring fees! Lifelong access to videos!
- Portfolio Tracker! Track your mutual funds and stock investments with our Google Sheet!
- We also publish monthly screeners for
Our Podcast: Let's Get Rich With Pattu
On Spotify: Let's Get RICH With PATTU! Every single Indian CAN grow their wealth! On Audible: Listen to the Let's Get Rich with Pattu Podcast
Listen to the Let's Get Rich With Pattu podcast on YouTube.
Now watch Let's Get Rich With Pattu தமிழில் (in Tamil)!About The Author
Dr M Pattabiraman giving a lecture
- Dr 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 14 years of experience publishing news analysis, research and financial product development. He has over 28 years of teaching and research experience. He is also a public speaker and keynote presenter.
- He is a patron and co-founder of “Fee-only India,” an organisation promoting unbiased, commission-free, AUM-independent investment advice.
- Connect with him via @pattufreefincal on X LinkedIn YouTube
- Pattabiraman has co-authored three print books.
This book helps you ask the right questions and find the right answers. It also includes nine online calculators to create custom solutions.
(2) Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want. 
Both the boy and girl versions of "Chinchu Gets a Superpower".
Most investor problems stem from a lack of poor decision-making. We made bad decisions and money mistakes when we started earning, and we spent years undoing them. Why should our children go through the same pain? What is this book about? As parents, what if we had to groom one ability in our children that matters not only for money management and investing but for every aspect of life? My answer: Sound decision-making. So, in this book, we meet Chinchu, who is about to turn 10. The story follows what he wants for his birthday and how his parents plan it, while also teaching him key ideas about decision-making and money management. What readers say! 
Feedback from a young reader after reading Chinchu Gets a Superpower!
Must-read book even for adults! This is something that every parent should teach their kids right from a young age. The importance of money management and decision-making based on their wants and needs. Very nicely written in simple terms. - Arun.
About freefincal & its content policy
Freefincal is a News Media organisation dedicated to providing original analysis, reports, reviews and insights on mutual funds, stocks, investing, retirement and personal finance developments. We do so without conflict of interest and bias. Follow us on Google News. Freefincal serves more than three million readers a year (5 million page views) with articles based only on factual information and detailed analysis by its authors. All statements made will be verified with credible and knowledgeable sources before publication. Freefincal does not publish paid articles, promotions, PR, satire or opinions without data. All opinions will be inferences backed by verifiable, reproducible evidence/data. Contact Information: To get in touch, please use our contact form. (Sponsored posts or paid collaborations will not be entertained.)Our publications
- Your Ultimate Guide to Travel. This is an in-depth exploration of vacation planning, including how to find affordable flights, budget accommodations, and practical travel tips. It also examines the benefits of travelling slowly, both financially and psychologically, with links to relevant web pages and guidance at every step. Get the PDF for Rs 300 (instant download)
- How to profit from content writing: Our ebook is for those interested in getting a side income via content writing. It is available at a 50% discount for Rs. 500 only!