Privacy model: Supabase Auth holds only your email + password hash (identity). All financial data stays on this device, AES-256-GCM encrypted with a key derived from your password — the server never sees it. Your exported report PDF carries the data between devices/sessions. Assumptions: projections assume on-time EMIs and monthly deployment of the plan surplus; investment returns are long-term assumptions, not guarantees. Educational planning tool — not SEBI-registered investment advice. Verify prepayment terms in your sanction letters. Reference rates (July 2026): RBI repo 5.25% · PPF 7.1% · NSC 7.7% · 1-yr FD ~6.25% · SFB FDs ≤8.1% (DICGC to ₹5L). Live NAVs courtesy mfapi.in when online. Privacy & Terms →