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Your one stop solution for inflation based financial planning.

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Financial planning dashboard
Inflation-adjusted calculations
Comprehensive portfolio tracking
90-year projections

About InnFinn

Inflation-Adjusted Financial Planning for Your Future

InnFinn stands for Inflationary Finance, where "inflationary" relates to the impact of inflation and "finance" means managing money. Our platform helps you manage your finances while considering inflation's effect on all cash flows.

This comprehensive financial planning platform is divided into three core components:

Important Concepts

Master essential concepts related to finance and investments.

  • Helps in Better understanding of investment market and its product.
  • Helps to Improve investment strategies.
  • Helps in Efficient investment decision making.
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Investment Instruments

Know more about different investment instruments available in the market.

  • Discover new instrument suitable for your portfolio.
  • Learn how to invest in an investment instruments.
  • Details about cash flows involved.
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InnFinn Analysis

A tool to analyse your current portfolio and to determine if it satisfies your future financial requirements.

  • Helps to optimise your lifestyle.
  • Helps to strategise investments according to changing market conditions.
  • Helps in the investment decision-making process by considering the effects of inflation.

Key Platform Features

Everything you need for complete financial control

  • Inflation-adjusted values for all cash flows
  • Calculate returns using InnFinn, IRR or XIRR methods
  • Learn important concepts related to investment
  • Know about different investment instruments in the market
  • Flexible block system for economical portfolio management
  • Date-wise cash flow tracking
  • Future interest calculations with charges
  • Customizable future interest & inflation rates
  • EPF, EPS and NPS retirement projections
  • Maturity effects on your portfolio
  • Expense categorization and projections
  • Salary growth trajectory planning

Featured Videos

Learn more about our platform through these videos

Inflation occurs when the value of money decreases, leading to higher prices for the same products.

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Inflation is the rate at which the general level of prices for goods and services rises over time, resulting in a decrease in the purchasing power of money.

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Important Concepts

Understanding these may help to better understand investment market and it’s products

GDP

GDP stands for Gross Domestic Product and it shows the value of all the goods and services produced in a defined area over a defined time period. It provides a broad understanding about the economic status of the area.

GDP=Consumer Spendings+Investments+Government Spendings+Net Exports

GDP of India is calculated by NSO (National Statistics Office) which comes under MoSPI (Ministry of Statistics and Programme implementation) by collecting various data about Government spending, income of citizens, total goods sold and total import and export data.
Related Articles
More about GDP from MoSPI

CLick on the above link to DOWNLOAD PDF containing more information about GDP and its calculation as released by MoSPI

Methodology for compiling Quarterly GDP by MoSPI

Click on the link above to DOWNLOAD PDF contaning the methodology used by MoSPI to prepare estimated quarterly GDP in India.

Sub Topics
Where can I get the GDP information of India?

GDP stands for Gross Domestic Product and it shows the value of all the goods and services produced in a defined area over a defined time period. It provides a broad understanding about the economic status of an area.
Sub Topics
How is GDP calculated in India?
What is GDP (PPP)?
What is GDP per capita?
What is Nominal GDP?
What is real GDP?

Economic crisis is when a nation experiences a severe adverse disruption in it's economy which in turn results in financial instability of the nation. An economic crisis is generally characterized by decrease in GDP and liquidity in the market, increase in unemployment which in turn results in loss in asset values.
Related Articles
Economic Crisis acc to Science Direct

Click of the above link to know more about economic crisis according to Science Direct website

Economic Crisis acc to India Today

Click of the above link to know more about economic crisis according to India Today website

A widely accepted definition for economic depression is more than 10% drop in the GDP with high unemployment and widespread business failures. An economic depression is generally a result of prolonged recession.
Related Articles
Economic Depression by Wikipedia

Click on the link above to know more about economic depression from Wikipedia website.

Economy is the system in which production, consumption and distribution of goods and services takes place in a defined space. Every town, district, state and a nation has it's own economy.
Related Articles
Economy

You may click on the link above to know more about economy from Wikipedia.

What is economy

Click on the above link to know more about economy from FutureLearn website.

Economics is the study of the economy of a place, i.e. we examine the production, distribution and consumption of goods and services in that place.
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Economics

Click on the link above to know more about economics from wikipedia website.

Financial crisis is a phenomenon where the public of a country looses trust on their financial institutions like banks, bond markets etc. This can have a serious consequences which can very easily destroy the economy of a country thus bringing the country to its knees. This generally happens when the central banks fail to make or implement policies to safeguard the money of the depositors of a financial institutions resulting in financial institutions investing their depositor's money in risky avenues resulting which in turn results in loss of value of the nominal value of the assets.
Related Articles
Financial crisis acc to RBI

Click on the above link to know more about this phenomenon by the RBI website.

Financial Crisis acc to Wikipedia

Click on the above link to know more about this phenomenon by the Wikipedia website.

Sub Topics
Financial Crisis in the past
The most recent financial crisis.

Most economists define recession as a period when the GDP of a nation goes down for two or more consecutive financial quarters another widely accepted definition can be an economic crisis for more than two consecutive financial quarters. A nation in recession experiences continuously falling GDP, rising unemployment and reduced spending by the people and companies.
Related Articles
Recession

Click on the link above to know more about recession from Wikipedia website.

An economy is considered to be in Stagflation when there is high unemployment, no growth in GDP and high inflation.
Related Articles
Stagflation acc to Wikipedia

Click on the link above to know more about Stagflation from Wikipedia website.

Inflation

Inflation refers to a general increase in the prices of goods and services in an economy over a period of time. This means that the purchasing power of money decreases, so you need more money to buy the same things than you did before. Inflation is typically measured as a percentage change in a price index, such as the Consumer Price Index (CPI), over a specific time period — often annually.

Here are some key impacts: Purchasing Power: Your money buys less than before. Return: Inflation can reduce the real value of cash flows as the same amount of money buy less products/services in the future. Interest Rates: Central banks may raise interest rates to control high inflation, which affects loans and mortgages which in in-turn increases spending and reduces savings which in-turn reduces money for investment.

Governments and central banks use various tools to manage inflation, including: Monetary Policy: Adjusting interest rates and controlling money supply. Fiscal Policy: Changing tax rates and government spending to influence demand.
Sub Topics
Who Controls Inflation?
Why Control Inflation?

Inflation can happen for several reasons, but economists usually group the main causes into three categories: Demand-Pull Inflation, Cost-Push Inflation, and Built-In Inflation. Understanding these causes can help you see why prices go up and what factors influence your everyday expenses.
Sub Topics
What is Built-in Inflation?
What is Cost-Push Inflation?
What is Demand-pull Inflation?

CPI stands for Consumer Price Index, it measures increase or decrease in the cost of fixed basket of products and services for the final consumers of the products. This is also called household price index as it affects general households of a country.
Related Articles
CPI

Click on the link above to know more about CPI from the official website of MoSPI.

Sub Topics
What are different types of CPI in India?
Where is CPI of India published?

WPI stands for Wholesale Price Index, it measures increase and decrease in the cost of fixed basket of products and services traded in bulk between businesses. This is used to calculate wholesale inflation which in turn is an important economic indicator.
Related Articles
WPI Manual

Please click on the above link to DOWNLOAD PDF file from the office of economic advisor regarding WPI.

A positive inflation motivates people and businesses to invest their money to avoid their wealth getting eroded with time. The act of investment results in higher liquidity in the market which in turn results in cheaper lending rates which further promotes risk taking by businesses. A higher risk taking by businesses due to cheaper capital cost promotes market expansion which in turn results in higher employment rates. A higher employment rate further results in increase in demands. Thus, a positive inflation promotes economic development and avoids economic stagnation in a country.

A negative (-ve) inflation would mean that the value of money increases with time, however in such a situation there shall be no incentive or requirement for an individual to invest their money, also, there shall be no need for businesses for expansion of their business which would result in low employment rate and lower liquidity in the market which in the longer run could result in economic stagnation of a country.

Investment

Investment is allocating the available money or assets in ventures or schemes with the expectation of future returns in the form of monetary gains or appreciation in value of the asset. In a healthy economy, investment is needed to negate the effects of inflation eroding the value of the money or assets with time.

The Financial Portfolio of an individual is the collection of investment instruments the individual has invested in. It helps an individual estimate their current and future financial conditions and also helps them to plan their finances with respect to their future financial goals.

A regulatory body is a government established entity which regulates and enforces rules to all the participants in a sector or industry. This ensures fair competition and controlled risks among the participants; and security for the investors. Example of regulatory bodies are RBI for Banks and NBFCs, SEBI for stock/bond brokers, IRDAI for insurance etc. An individual can complain to the regulatory body of a financial institution of it is not following the rules and guidelines set by the regulatory authority for the sector after a written complain to the financial institution.

Risk tolerance is the ability of an individual to be comfortable with a delay in cash inflows or a potential loss from an investment. A person with small investment corpus and also a retired individual would generally have a lower risk tolerance.

Risk-averse strategy is when an individual or an entity prefers to invest in low return investment instruments providing guaranteed returns instead of investing in high return yielding high risk investment instruments. This kind of investment strategy is ideal for retired people with low post retirement savings or for people with lower investment corpus in general or for people with no regular income. Some investment options for risk-averse investors can be savings accounts, government bonds, high rated corporate bonds, term-insurance etc. an individual may also take help of an investment advisor if he feels the need to make the investment decisions.

Saving is the act of setting aside available money for future use or investments instead of spending it all.
Sub Topics
Why saving is not enough in its own in a healthy economy?
Why to save money?

Triple exempt investment instruments are such investment instruments which provide tax benefits on investment, no tax liability on the interest earned and no tax liability on the withdrawal after maturity.

It is important to understand that everyone's financial requirements can be different from others depending on their lifestyles, their future plans and their current and future expenses. An unmarried man may have a very different future financial requirement as compared to someone with children. A person with mentally challenged children may have a different financial requirement than someone with a brilliant child. A businessman shall have a very different financial requirement than a salaried government employee, thus it is always preferable for an individual to decide on his own as to how much and where he should invest. These investment decisions, however, may require a deep understanding about the process of budgeting and future financial planning thus those without the proper knowledge may take the help of an investment advisor.
Sub Topics
Investment Advisors
Market Research

Investment is necessary to retain or increase the value of the money saved. It is to be understood that the saved money continues to loose it's purchasing power with time due to positive inflation, also, inflation tends to have a compounding effect on the depreciation of the value of money; thus an amount of money looses it's value ,more and more with time. It is critical to consider that more money shall be required to maintain same standard of living due to inflation and more money will have to be spent to buy the same amount of good and services in the future. Thus, an individual always should consider the effect of inflation on the future expenses and future earnings while making investment strategies and decisions. An individual should also make sure that their overall portfolios is at least beat inflation rate to ensure that their overall wealth is increasing and, at the least, is not decreasing with time.

Return

Return is profit or loss generated by investing in an investment instruments over a fixed period of time. Returns are generally expressed as percentage (%) of the total amount of money invested. This can help a lot for comparing two investment instruments and deciding between which would be better for investment considering the future financial plans.

CAGR stands for compounded annual growth rate. CAGR of an investment instrument tells us the annual growth rate of the investment instrument considering the interest earned during the said period of investment was reinvested in the same investment instrument.

This is our proprietary return calculation which accurately measures the annual return of an investment instruments even if the investments involve multiple cash inflows and outflows; or if the cash flows happen in regular or irregular intervals.

IRR stands for Internal Rate of Return which provides more accurate rate of return of an investment which involves multiple cash inflows over a regular period of time. It should be kept in mind that the return provided from this shall not be very accurate if this is used in an investment with irregular cash flows.

XIRR stands for Extended Internal Rate of Return. This is used to find the annual return on an investment when the cash flows do not happen in a regular interval. This can be used to calculate the return from investment instruments when the withdrawals happened in irregular intervals.

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