For parents with a new baby (and a new worry)

You have one pile of money and six things it needs to become.

Schooling. College. Insurance. Your own retirement. A holiday you keep postponing. Whatever comes up. Right now they're all fighting over the same fixed deposit, and nobody's winning. The Family Buckets fixes that — the book explains it in one evening, the app runs it for you every month after.

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Be honest, this is you

Three things new parents do with their savings. Pick yours.

1
Everything sits in one fixed deposit — school fees, college, the emergency fund, your retirement, all the same pot. Whichever bill shows up first wins. The rest quietly wait their turn.
2
You started five SIPs off five different YouTube videos — no order, no priority, no idea which one is actually "the college one" anymore.
3
You're doing nothing yet — because sitting down to plan feels like it needs a CA, three hours, and a spreadsheet you don't know how to build.

None of these are stupid. Nobody taught you the fourth option. That's the whole book.

Why "just save more" doesn't fix it

It was never a savings problem. It's a labelling problem.

School fees
College
Health & insurance
Family holidays
Your own retirement
Their wedding, home or first business

Money meant for college quietly becomes a holiday. The emergency fund isn't there when the emergency arrives. Every goal is competing with every other goal for the same unlabelled rupee.

An 18-year goal parked in a fixed deposit is a bicycle entered in a highway race. Not a bad bicycle. The wrong vehicle for the distance.

A night you may recognise

It's late. The baby has finally fallen asleep. Rohan and Priya are at the kitchen table with a notebook, a cup of cooling tea, and a list that keeps getting longer.

School. College. A health emergency nobody wants to think about. Insurance. The family holiday they keep postponing. And, somewhere at the bottom of the list, their own future.

They earn well. They save every month. They're not careless people — Priya has a folder of screenshots, Rohan has three SIPs he set up off three different YouTube videos. And still, one thought keeps them both awake: "Is this even the right way to do it?"

They pull up their bank app. One number. One pile. Six goals staring back at it, none of them labelled, none of them promised anything.

They had six goals and one pot of money, and no idea which goal to take care of first.

What they did next — sitting down together, giving every goal its own name and its own place in the order — is the reason this book exists. Not a spreadsheet. Not a finance degree. Just a plan they could both actually see.

Rohan, Priya and Diya are an illustrative family, not real people.

Why every parent hits this wall

Nobody sat you down and explained which tool is for which distance.

Go back a generation and there was a steel almirah, a few labelled envelopes, and a household that knew what each one was for. Nobody had a finance degree. The instruments were simpler. The idea — name it, then fund it in an order — was not complicated.

Somewhere between then and now, every account went private, every portfolio became "mine", and the simple question "what are we actually saving for, and in what order?" quietly went missing — even between two people raising a child together.

This is that same shared, household way of planning, rebuilt for two working parents, five investment apps, and a phone in every pocket.

What actually changes

From "I hope this is enough" to "I can show you exactly where we stand."

Every goal has a name and an order

No more one pile guessing which bill it's for. Each goal gets its own lane, and the lanes have a priority when money is tight.

The app does the remembering

You log what you actually invested each month. It does the rest. No formulas, no sheet to fix at 11pm.

Your money never moves

You keep investing in your own Zerodha, Groww, whatever you already use. This just tells you how to split it.

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Side by side

The one-pile way. And the labelled way.

One pile, no order

Every goal quietly competes with every other goal
You find out something's short only when the bill arrives
One partner tracks it in their head, the other has no visibility
A bad month means everything slips a little, invisibly
"Are we on track?" has no real answer, just a feeling

Named goals, in order

Every goal has its own place and its own money
You see what's short months before the bill arrives
Both parents look at the same plan, in one place
A bad month just means you log what really happened, honestly
"Are we on track?" has an actual, current answer

What using it looks like

Three things you do. Ever.

1
Set your goals once. Name what you're saving for, roughly how much each needs, and which matters more when money is tight. Twenty minutes, done together.
2
Log what you actually invested, once a month. Not what you planned — what really happened. Good month or bad, it takes under a minute.
3
Watch each goal fill up, and know what happens next. When a goal is done, the app tells you exactly what that frees up and where it should go next.

What you actually get

One idea. One tool that runs it. That's the whole product.

No 6-module course. No community you have to keep up with. No upsell after you've paid. Two things, working together.

The Book · Strategic SIP Edition

Written for a tired parent at 11pm, not a finance professional. One evening to read. Explains the whole "why" behind the buckets, in plain English.

The Companion App

Set your goals once. Every month, open it, log what you invested, watch each goal fill up. Works on your phone. No login, no account, nothing installed.

Why this exists

I didn't build this for a business. I built it for my own kitchen table.

I'm Rahul — a product manager in Bangalore. My wife Dhanya and I had our son a few months ago, and somewhere in the middle of the sleepless nights, we made the mistake of looking up an online calculator for future education costs.

The number scared us. Inflation had quietly turned "just start a SIP" into nowhere near enough.

That same week, a different worry had been sitting with me for a while: how certain is any of this, really? A job, a salary, a career — none of it felt like something I wanted my son's future to depend on entirely. I didn't want our life's trajectory tied only to two salaries that could both be gone in a bad year. That's what sent me looking into building income that keeps flowing regardless — and once I started planning around that, one thing became obvious: the investing part was never the hard part. Anyone can start a SIP. The hard part was tracking it as a family, and knowing which goal to protect first when things got tight.

So I built a simple system: put the goal first — schooling, college, our own retirement, term and life insurance, even the annual vacation — and let every rupee know exactly which goal it belongs to and in what order it matters. I tested the logic against ten years of numbers across a few different family situations before I trusted it enough to run our own life on it.

The book is that system, written down. The app is what keeps Dhanya and me honest about it every month. We use both for our own family's goals — this isn't a product I built and stopped needing.

A real family, real words

Arjun and Apoorva from Alleppey, Kerala, started following the Family Buckets principle and now track their family's goals in the app.

Arjun & Apoorva · Alleppey, Kerala

Shared with their permission. Individual experience. Results vary and are not guaranteed.

Launch price for early families

The Family Buckets: Strategic SIP

Book + app, one payment, nothing else to buy.

The book — the full Strategic SIP Edition, yours to keep, no expiry.
The companion app — replaces the spreadsheet, included, not an upsell.
One payment — no subscription, no renewal, instant access the moment you pay.

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Launch price for the families who get in early. It moves up later.

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Secure payment · UPI, cards and netbanking

10 days. No questions. Read it, set it up with your partner, use the app for real. If it's not right for your family, email us within 10 days and you get every rupee back. That's it — no forms, no "prove you tried."

Let's save you ₹499 if it's a bad fit

This isn't for everyone. Here's who should skip it.

You want stock tips or "which fund to buy" picks. This is a planning system, not a tipsheet.
You want a done-for-you advisor who moves your money. Nobody here ever touches your money.
You're not willing to spend one evening reading and setting it up. It doesn't work by itself.

Here's who it's built for.

You already save every month but you're not sure it's going anywhere useful.
You and your partner want to look at one plan together, instead of two private accounts.
You'll happily trade one evening now for not thinking about this every month for 18 years.

Questions parents ask before buying

Before you buy

Do I need to know anything about investing?

No. The book is written for busy parents, in plain language. If you can read this page, you can follow it.

Is this only for first-time parents?

No. It suits any family saving for more than one goal, such as a second child's schooling, your own retirement or family trips.

We have one income, or I'm a single parent. Can I use it?

Yes. You add one parent or two, and enter what you can invest each month.

Is this investment advice?

No. It's a planning tool and a way of thinking. Mutual fund investments are subject to market risk, and every figure in the book and the app is an illustration, not a promise.

What if it isn't for me?

Email us within 10 days for a full refund. No questions asked.

I've bought "systems" before that just sat there. How is this different?

There's nothing to "keep up with" — no modules to finish, no community, no course to fall behind on. You read the book once, set the app up once, then spend a minute a month. It's built to survive a busy life, not demand one.

What you get

What exactly do I get?

The book (a PDF) and the companion app, for one payment. There is no subscription.

Do I need a spreadsheet?

No. Replacing the spreadsheet is what the app is for.

Does it work on my phone?

Yes. The app opens in any modern browser on a phone, tablet or computer. There is nothing to install.

My income changes from month to month. Will it still work?

Yes. Each month you log what you actually invested, so the plan follows real life instead of a fixed number.

Does my partner need to buy it too?

No. One purchase serves your whole family.

Will there be free updates, or do I have to pay again later?

Your copy of the book and the app you receive are yours, no expiry. If you're ever unsure whether something you're seeing is current, email us.

Your privacy

Will the app move my money or link to my bank?

Never. Your money stays in your own investment apps.

Do you see my family's financial details?

No. Your plan is saved in your own browser. Amounts and names are never sent to us. The app only counts anonymous actions, for example that a screen was opened.

What if I change phone or clear my browser?

Save a backup file from the app's Plan tab and restore it on the new device. Without a backup, clearing your browser data removes the plan.

After you pay

How do I get it after I pay?

Right after payment you get the links to your book and the app. If you don't see them in a few minutes, email us with your payment receipt.

What payment methods work?

UPI, cards and netbanking, through our payment page.

Eighteen years is a long time to wonder if it's enough.

You can keep the notebook and the cooling tea and the same 11pm question. Or you can spend one evening finding out, for good, whether what you're doing is enough — and fixing it if it isn't.

Still not sure? That's exactly what the 10-day refund is for. Read it, set it up, use it for real. If it's not right for your family, email us and you get every rupee back — no questions, no forms.

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