This planner teaches you the same financial principles that professionals use — principles drawn from decades of peer-reviewed research, global best practices and proven real-world results. Professionals charge ₹5,000–₹50,000 per hour. Now available to everyone, free.
5 honest questions. Your complete, personalised financial life plan will be ready in 30 seconds.
Applying 7 globally recognised financial planning frameworks to your personal numbers
| Asset Class | % | Monthly Amount | Where to Invest | Expected Return |
|---|
Every recommendation in your plan is backed by globally certified financial planning research — the same models professional advisors use.
Simple truths that compound into extraordinary outcomes when applied consistently over time.
Every country has different tax-advantaged accounts, retirement systems and investment products. Here is what works best where you live.
| Country | Tax-Advantaged Account | Best Index Fund / ETF | Retirement Account | Emergency Fund |
|---|---|---|---|---|
| 🇮🇳 India | ELSS (80C save tax) + PPF | Nifty 50 Index Fund (UTI/HDFC/Nippon) | NPS Tier 1 + PPF combo | Liquid mutual fund or FD |
| 🇺🇸 USA | 401(k) up to $23,000 + Roth IRA $7,000 | a broad S&P 500 or total market index fund | 401(k) + IRA + HSA triple benefit | HYSA at Ally, Marcus (4-5% APY) |
| 🇬🇧 UK | Stocks & Shares ISA (£20,000/year) | Vanguard FTSE All-World Acc | Workplace pension + SIPP | Cash ISA or easy access savings |
| 🇦🇪 UAE | No income tax — maximise all savings | a globally diversified index fund via any international broker | Self-funded — invest aggressively globally | UAE bank savings account |
| 🇸🇬 Singapore | SRS (Supplementary Retirement Scheme) | STI ETF / Vanguard via FSMOne | CPF + SRS combination | government savings bonds or T-bills |
| 🇦🇺 Australia | Superannuation (11.5% mandatory) | VAS (ASX 200) + VGS (global) | Super + SMSF for high earners | Mortgage offset account or HISA |
| 🇨🇦 Canada | TFSA ($7,000/yr) + RRSP (18% income) | XEQT or VEQT (all-in-one ETF) | RRSP + CPP + OAS combination | EQ Bank HISA (3-5% rate) |
| 🇩🇪 Germany | bAV (employer pension) + Riester | Vanguard FTSE All-World via broker | Deutsche Rentenversicherung + private | Tagesgeld account (3-4% interest) |
| 🇯🇵 Japan | NISA (¥3.6M/year, tax-free) | eMAXIS Slim All Country via SBI | iDeCo personal pension | Japan Post savings account |
| 🇲🇾 Malaysia | EPF (mandatory 11%) + PRS | Index funds via Fundsupermart | EPF + Private Retirement Scheme | Fixed deposit at any licensed bank |
| 🇵🇭 Philippines | SSS + Pag-IBIG + GSIS | FMETF (PSE index ETF) | SSS pension + voluntary investments | High-interest savings at Tonik / GCash |
| 🌍 Other | Check local retirement account options | MSCI World ETF via local broker | Employer pension + private savings | High-yield savings at local bank |
The wealthiest people are not the ones who earned the most. They are the ones who started earliest, stayed consistent, and made one key decision — to take control of their own financial destiny. That journey begins with an honest plan.
1. No Personal Data Is Collected
Be Your Own Master does not collect, store, transmit or process any personally identifiable information. The age, income, country, savings rate and financial situation you enter into this tool exist only inside your browser session on your own device. When you close or refresh the page, all data is permanently gone. Nothing is ever sent to any server owned or operated by this website.
2. No Account Required
This platform requires no registration, no email address, no name, no phone number and no payment information of any kind. There is no login system and no user database. You are completely anonymous to us at all times.
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8. Contact
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1. Educational Purpose Only
Be Your Own Master is a free financial education platform. All content, calculations, projections, frameworks, models, recommendations and guidance provided on this website are strictly for general educational and informational purposes only. Nothing on this website constitutes, and should not be construed as, personalised financial advice, investment advice, tax advice, legal advice or any other form of regulated professional advice.
2. Not a Licensed Financial Advisor
This website is not operated by a SEBI-Registered Investment Advisor (India), SEC-registered investment advisor (USA), FCA-authorised financial adviser (UK), MAS-licensed financial adviser (Singapore), ASIC-licensed financial adviser (Australia) or any equivalent regulated professional in any jurisdiction. The creators and operators of this website hold no financial advisory licences or certifications.
3. No Guarantee of Accuracy
While we make every reasonable effort to ensure the accuracy of the information and calculations on this platform, all figures are estimates based on mathematical models and historical data. Actual financial outcomes will differ. We make no warranty, express or implied, regarding the accuracy, completeness or suitability of any information for your specific situation.
4. Investment Risk Warning
All investments carry risk. Past performance of any asset class, mutual fund, ETF, stock, bond or financial instrument is not a guarantee of future results. The projected returns mentioned on this platform are historical averages for illustrative purposes only. You may get back less than you invest. Before making any investment decision, you should carefully consider your own financial situation, investment objectives and risk tolerance.
5. Market and Economic Risk
Financial markets are subject to volatility, inflation risk, interest rate risk, currency risk, political risk and other systemic risks that are beyond anyone's ability to predict. Projections shown on this platform do not account for all possible risk scenarios.
6. Tax Implications
Tax laws vary by country, change frequently and depend on your individual circumstances. Nothing on this platform should be considered tax advice. Consult a qualified tax professional or chartered accountant in your country before making any tax-related financial decision.
7. No Liability
The creators, operators and contributors of Be Your Own Master accept no liability whatsoever for any financial loss, damage, cost or expense (including lost profits) that may arise directly or indirectly from your use of, or reliance on, any information provided on this platform. Your use of this website is entirely at your own risk.
8. Seek Professional Advice
We strongly encourage all users to consult a qualified, licensed financial professional before making any significant financial decision including but not limited to: starting or changing an investment portfolio, taking out a loan or mortgage, purchasing insurance, changing employment or business arrangements, or making retirement plans. The right advisor for you depends on your country:
9. Intellectual Property
The financial planning concepts, mathematical rules and methodologies taught on this platform (including the 50/30/20 rule, Rule of 72, 4% withdrawal rule, debt avalanche, debt snowball and similar principles) are widely published educational concepts in the public domain. They are not proprietary to this website. This platform presents these concepts in an educational format for the benefit of users worldwide.
10. Regulatory Note on Terminology
References to financial planning processes, budgeting frameworks and investment allocation models on this website are for educational illustration only. Any resemblance to the proprietary programmes, certifications or curricula of any professional body is coincidental. This website is not affiliated with, endorsed by or accredited by any financial planning professional body, regulatory authority or government agency.
1. Acceptance of Terms
By accessing or using Be Your Own Master, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.
2. Permitted Use
You may use this website and its tools for your own personal, non-commercial financial education purposes. You may save, print or download your generated financial plan for personal reference. You may share a link to this website with others.
3. Prohibited Use
You may not:
4. Accuracy of Your Inputs
The quality of your financial plan depends entirely on the accuracy of the information you provide. You are responsible for ensuring your inputs are correct. We accept no responsibility for plans generated from inaccurate inputs.
5. No Professional Relationship
Using this website does not create any professional relationship — financial, legal, advisory or otherwise — between you and the operators of this platform. There is no duty of care owed to you as a user of this free educational tool.
6. Availability
We do not guarantee that this website will be available at all times. We reserve the right to modify, suspend or discontinue the service at any time without notice.
7. Governing Law
These terms are governed by the laws of India. Any disputes arising from use of this website shall be subject to the exclusive jurisdiction of the courts of Hyderabad, Telangana, India.
8. Severability
If any provision of these Terms of Use is found to be unenforceable, the remaining provisions will continue in full force and effect.
What Is This Platform?
Be Your Own Master is a free financial education website that helps people understand personal finance through interactive planning tools. It is designed to make complex financial concepts accessible to everyone — regardless of income, education or background — across 50+ countries.
What Does It Teach?
This platform teaches widely published, publicly available financial planning principles including:
Who Built This?
This platform was built by independent developers passionate about financial literacy and the belief that quality financial education should be free and accessible to everyone — not just those who can afford professional advisors.
Is This Affiliated With Any Organisation?
No. Be Your Own Master is an independent educational platform. It is not affiliated with, endorsed by, accredited by or connected to any financial planning professional body, regulatory authority, government agency, bank, insurance company, mutual fund house or investment firm. All financial concepts taught here are in the public domain.
How Is This Free?
This platform is supported by Google AdSense advertising revenue. Advertisers pay to display ads on this website. This allows us to provide the planning tools completely free to users worldwide. We never charge users, sell user data or accept payment from financial product providers to recommend their products.