0–5
The early years
Protect the family
Adequate term and health cover, an emergency fund, nominees updated and a will that names a guardian.
For new parents, parents-to-be & growing familiesYou plan every detail for them.
You plan every detail for them.
Who's planning their future?
A clear plan for your child's education
From school and college fees to studying abroad, family insurance and your own retirement, build one plan that covers it all in a free 15-minute call with a SEBI-registered advisor.
- Zero commissions
- Unbiased advice
- 15 min, fully virtual
₹5,000 Cr+
Assets under tracking
2 lacs+
Individuals advised
4.9
Client rating
10+ yrs
Advisory experience
Failed to fetch Open Calendly
Their journey, mapped
Every milestone has a price tag. Plan it before it arrives.
The earlier you start, the less you need to set aside each month. Here's what a good family plan covers at each stage.
6–12
School years
Fees from cash flow
Manage rising school fees and activities without dipping into long-term savings, while the education SIP keeps compounding.
18+
Biggest goal
College & beyond
Higher education corpus
Engineering, medicine, an MBA or a degree abroad. A target amount, a date and a SIP built to hit it, then shifted to safety as the date nears.
You
Your retirement
Don't trade it away
Your child can take an education loan. You can't take a retirement loan. A good plan funds both, side by side.
Map my family's milestones →
Free 15-min call with a SEBI-registered advisor
Sound familiar?
Your heart is in the right place. Your money may not be.
These are the six gaps we see most often in families planning for their children.
01 / 06
Close these gaps in a free call →
Recognised 2 or more? That's exactly what the session is for.
30-second education check
What will your child's degree cost by the time they get there?
Pick a goal and your child's age to see the future cost, and roughly how much you'd need to invest each month to get there.
Get an exact plan for my child →Education goal
Today's cost assumed: ₹20.0 L
Cost at age 18
₹83.5 L
in 15 years
Monthly SIP needed
₹16,557/mo
at an assumed 12% p.a. return
Illustrative only. Not investment advice. Assumed returns are not guaranteed; actual costs and returns will differ. Mutual fund investments are subject to market risks.
One advisor. Your whole family.
Everything a growing family needs, in one plan.
Education, protection, tax and retirement, planned together so no goal steals from another.
01 / 06
Get my family's plan →
Complimentary · Virtual · No obligation
Fits around nap time
Your family's plan in 3 simple steps
1
Book a 15-min call
Virtual and complimentary, with no obligation. Join from home, even with a baby on your lap.
2
Share your family's goals
Your children's ages and dreams, your savings, insurance and loans, reviewed by a certified advisor.
3
Get your family roadmap
Clear, prioritised actions on education, protection and investing, with reviews as your family grows.
Why Fintoo
Advice that's on your family's side.
As a SEBI-registered Investment Adviser, we're paid by you, not by the products we recommend.
| Fintoo (SEBI RIA) | Insurance agent / Distributor | Doing it yourself | |
|---|---|---|---|
| How they're paid | Transparent advisory fee | Commissions on policies sold | Free, but costs your time |
| Education planning | ✓ Goal amount, date & SIP | A "child plan" policy | A rough guess |
| Insurance advice | ✓ Cover sized to your needs | Sized to the product | Often under-insured |
| Your retirement | ✓ Planned alongside kids' goals | Rarely discussed | "Later" |
| Ongoing reviews | ✓ Dedicated advisor | At renewal time | When you find time |
FAQs
Questions parents ask us first
Still unsure? Book the free session and ask your advisor directly.
Is the 15-minute session really free?+
Yes. The first consultation is complimentary with no obligation. If you choose to go ahead with a full plan, your advisor will share the advisory fee upfront before you commit.
When should I start saving for my child's education?+
As early as you can. Starting when your child is a baby gives your money more years to compound, which means a smaller monthly amount for the same goal. But it's never too late to build a plan around the time you have.
Are child insurance plans a good way to save for education?+
It depends on the plan. Products that combine insurance and investment can carry higher costs and lock-ins. Many families find it simpler to keep protection (term cover) and investing separate. Your advisor can review any policy you already hold and tell you honestly whether it's working for you.
I've added nominees. Do I still need a will?+
Usually, yes. A nomination doesn't always decide who finally inherits an asset, and it can't name a guardian for your child. A will alongside up-to-date nominations gives your family clarity. Your advisor can guide you on what to put in place.
What does "SEBI-registered Investment Adviser" mean for me?+
A Registered Investment Adviser (RIA) is regulated by SEBI and is required to act in your interest. We earn from advisory fees, not from commissions on the products we suggest.
We're new parents with zero free time. How much effort is this?+
Very little. The first call is 15 minutes and fully virtual. After that, your advisor does the heavy lifting and brings you clear decisions, not homework.
They'll only be little once. Start planning their future today.
Education, protection and your retirement in one plan. 15 minutes, virtual and complimentary.
Book my free session