Once income and expenses are set, there's a surplus each month. These two steps decide where it goes while you're earning, and what big assets sit in the plan.
Where your surplus is invested
The Investment step lists your Ongoing monthly investments. Click Add investment for each — an Emergency Fund, a SIP Investment, a PPF Contribution and so on — and set how it's funded: a Fixed monthly amount, a % of remaining surplus, or Catch-all for whatever's left. Banners tell you if you're Over-committed, have Unallocated surplus, or are All allocated.
Investment
Rank how leftover surplus is invested; withdrawals and SWP are a Wealth Pro upgrade.
Note: The withdrawal strategy — the sell order, a Systematic Withdrawal Plan (SWP), and the annual ₹1.25L LTCG harvest — is a Wealth Pro feature, shown here behind an Upgrade lock.
Real assets in the plan
The Real Assets step is for houses, vehicles, land or gold the plan should model. Add one, set its Payment method (Cash / full payment or Financed / loan), an Appreciation or Depreciation rate, and any Recurring costs. Each has an Include in this plan toggle so you can test scenarios with and without it.
A financed house — its EMI, appreciation and running costs all feed the forecast.