The 8-Step Wealth Ladder
Follow our proven financial order of operations designed for professionals
Step 1
Emergency Fund (1 Month)
Build a basic cushion for small shocks.
Step 2
High-Interest Debt
Clear credit card and personal loans.
Step 3
Emergency Fund (3–6 Months)
Create a complete safety net.
Step 4
Save & Invest 20% Income
Grow wealth with SIPs, PPF, NPS and equity.
Step 5
Future Goals
Plan for home, car, kids’ education and travel.
Step 6
Low-Interest Debt
Close home and education loans strategically.
Step 7
Invest & Give
Advance investing while giving back meaningfully.
Step 8
Evaluate & Repeat
Review, rebalance and repeat the ladder.
Plan Smarter with Free Calculators
Retirement, SIP, EMI, emergency fund and more—quick, free and built for Indian professionals.
Retirement Calculator
Plan for PPF, NPS, 80C and see your retirement corpus with inflation-adjusted returns.
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SIP Calculator
See how much your monthly SIP can grow with compound returns over time.
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EMI Calculator
Calculate loan EMI for home, car or personal loans with break-up of principal and interest.
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Emergency Fund Calculator
Find how much you need to save for 3–6 months of expenses as a safety net.
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The Wealth Ladder: A Step-by-Step Guide to Building Financial Freedom
A clear roadmap from emergency funds to advanced investing. Build wealth the right way, one step at a time.
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