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Your dreams have destinations
Financial Horoscope™ gives you complete clarity: where you stand, where you need to be, and how to get there.
Start my 2-minute Quick ScanComplimentary · No documents needed
By My Shubh Nivesh, HisarSince 20094.9★ on Google
Trust built over time
Why do you need a Financial Horoscope™?
But are you actually on course?
Having investments is not the same as knowing whether your goals are adequately funded—or whether every part of your financial life is working together.
Wealth on paper isn’t always money available when a goal is due. Property can’t pay a school fee.
40-second film
Two friends with the same job, the same salary and the same dreams. One made a plan. Twenty years later, the difference was the roadmap, not the income.
In Hindi, with subtitles. The stories are illustrative.
A different starting point
“Don’t start with money. Start with the life you want.”Because money isn’t the destination. The life you want is.
Real people. Real experiences.
Tap a review to read it in full
The people behind the roadmap
Founder
Rubal Shridhar leads My Shubh Nivesh, drawing on experience as a Wealth Manager at ICICI Bank to help families organise their money around their life goals.
Builds and reviews every Financial Horoscope™ roadmap.
M.Tech | NISM | IRDAI | AAFM India (AFGP, CRGP)
Keeps onboarding, documentation and service on schedule.
MBA (Marketing) | NISM | IRDAI
Runs client records, the client portal and our technology.
M.Tech (IT) | NISM | IRDAI
How we help
What is Financial Horoscope™?
A personalised navigation system for your financial journey: where you stand today, where you need to be, and how to get there.
It begins with YOUHow does it work?
Life • Family • Finances • Goals • Aspirations
02Your information is brought together and analysed.
Position • Health • Requirements • Gaps • Future Journey
Priorities • Actions • Timelines • Annual Review
Not just a report. A roadmap for your entire wealth journey.
The big reveal
What happens if nothing changes—and what changes with a better-designed journey.
FinancialSame Dreams. A Better-Designed Journey.
Illustrative example. Figures are hypothetical and shown only to explain how Financial Horoscope™ presents its findings. They are not a projection, promise or guarantee for any individual. Actual outcomes depend on individual circumstances, assumptions and market conditions.
Every dream becomes measurable
Illustrative examples, assuming 6% annual inflation (10% for education). Your Financial Horoscope™ uses your own goals, timelines and assumptions.
Money Check-Ups
60-second check-up
Answer five quick questions for an indicative result. The 2-minute Quick Scan then checks all 8 areas of your money, and your complete Financial Horoscope™ goes much deeper.
Move the sliders to see what your goal may cost in future and the monthly investment it could need, with or without a yearly top-up.
Illustrative calculation using the assumptions you choose. Returns are not guaranteed; actual outcomes will vary.
Compare starting your SIP today with starting a few years later, for the same goal date.
Illustrative calculation using the assumptions you choose. Returns are not guaranteed; actual outcomes will vary.
A quick retirement-readiness check. Your Financial Horoscope™ builds the full age-wise plan.
Illustrative only. Assumes 6% inflation, 10% return before retirement, 7% after retirement, and planning up to age 85. Returns are not guaranteed; actual outcomes will vary.
Protect what matters
Protecting what you’re building matters too.
Financial Horoscope™ looks at both wealth creation and financial protection.
From insight to action
ClarityActionProgress
Check risk and structure
Address goal-funding gaps
Adequate family cover
Balanced portfolio
Focus on key goals
Stay on long-term track
Raise SIPs each year; reinvest freed-up EMIs
Who is Financial Horoscope™ for?
Many goals, one coordinated plan
Make every payslip work towards a goal
Business wealth and family wealth, seen together
Income that lasts as long as you do
Planned around postings, service and pension
High responsibility, very little spare time
Expert at work, clarity at home
Complex wealth, brought into one view
One important question: Are you financially on course?
Trust & FAQ
Clear answers to the questions people naturally ask before starting their Financial Horoscope™.
Financial Horoscope™ is a personalised navigation system for your financial journey. Using data-driven analysis of your income, expenses, assets, liabilities, investments, insurance and goals, it shows where you stand today, where you need to be, and how to get there, through a clear roadmap updated every year.
No. It is planning based on your financial data; the name is a brand metaphor. It shows where your current choices could lead and what changes may help you reach your goals. Future values and projections are planning estimates; they do not predict or guarantee future outcomes.
Any individual or family who wants to plan their money around life goals: salaried professionals, business owners, doctors, defence personnel, parents saving for their children’s education and marriage, and people planning for retirement.
No. What matters is having enough money available when each goal is due. Wealth tied up in property, for example, may not be available for education, EMIs or retirement. Financial Horoscope™ compares your resources and commitments with your goals’ timelines to show possible funding gaps.
It starts with your life and goals, not with products. It shows where you stand, where your current plan could take you, and what changes you need. Its age-wise roadmap shows how much to invest at each age and when each goal needs money, and annual reviews keep it up to date. The biggest benefit is clarity, including where your current plan may fall short and when changes are needed.
It analyses your income, expenses, assets, loans, investments and insurance against your goals. It shows what you have today, what your current plan could build, and where funding gaps may remain.
It weighs your goals’ costs and timelines against your existing investments, commitments and capacity. It shows how much may need to be invested now, how much to increase each year, and how money freed up when a loan or premium ends could be put to work. These figures rest on planning assumptions and are updated at each annual review.
You share only what you choose to.
The online Quick Scan takes only a few minutes. The time needed for the complete Financial Horoscope™ depends on how quickly your information is shared and how complex your situation is; we will tell you the expected timeline when you begin.
Yes. Confidentiality is a core principle of the Financial Horoscope™ journey. Your information is used only for preparing and discussing your Financial Horoscope™ and related services, and access is limited to legitimate operational purposes. See our Privacy Policy.
Financial Horoscope™ begins with your life and goals, not with products. Where you choose to act on your roadmap, we may discuss suitable products that we distribute as AMFI-registered Mutual Fund Distributors (and in other registered capacities, where applicable). The final decision is always yours, after reading the relevant scheme or offer documents.
Your income, expenses, investments, loans and priorities change. An annual review checks whether you are on track and updates the roadmap, just as a navigation system updates your route. A major life event, such as a new job, a child, a loan or an inheritance, is also a good time for a review.