YOUR WHAT-IFS

Walk into every financial decision knowing the answer.

Armor models major life events against your full financial picture, so you see the impact on your wealth before you commit.

Run a scenario →

Every major financial decision impacts your finances more than you think.

Most tools look at these decisions one at a time.

Armor helps you look at what happens to everything else.

Pick any decision & Armor simulates the impact across your entire financial life.

Recommended Strategies

Each designed keeping your real numbers in mind.

Specific Watch-outs

Things that could go wrong in your situation.

A Sequenced Action Plan

What to do first, second, third. With amounts and timelines.

Every scenario number on this screen is calculated by Armor's in-house Quantitative Risk Model, a hedge-fund-grade engine built by our experts. Not an LLM, just rigorous math, applied to your real numbers.

See it in action

Here's how it works when you're thinking about buying a home.

1

Click your Home-Buying Scenario

If you've added buying a home as a goal in the Armor app, we map the funding structure.

Where the Money Comes From✓ Funded
Target 3.0Cr
Equity SIP corpus (3y)
71.4L
10%
Current liquid (above 6-mo reserve)
5.3L
0%
Home loan (20y @ 8.5%)
2.2Cr
0%
✓ 12.0L emergency reserve untouched
2

Make adjustments and run simulations

Change the variables: property price, down payment %, loan tenure, interest rate, years to purchase.

≡ Simulator
Adjust Parameters
Property price₹2,73,00,000
Down payment %20%
Loan tenure (years)20
Interest rate (%)8.5%
3

Pick your strategy.

Armor recommends strategies based on your history, risk profile, and goals.

Affordability scenarios
✦ Recommendation
For a ₹2.73Cr property, you'll need roughly ₹76.71L upfront and an EMI of ₹1.90L/mo.
Conservative
20% down, 20y
₹1.90L/mo EMI
Total: ₹5.09Cr
Aggressive
30% down, 15y
₹1.88L/mo EMI
Total: ₹4.21Cr
4

Watch-outs and your action plan.

We flag what could go wrong, then convert everything into a sequenced action plan.

Watch-outs 2 issues
HIGH
EMI exceeds safe threshold
Your EMI of ₹1.90L/mo is ₹84.5K above the 35% safe threshold.
₹84.5K over limit
Action plan 4 steps
INVEST
Start ₹1.66L/mo equity SIP
EASY · 3 years
RESERVE
Reserve ₹5.33L from liquid
EASY · This week
ASK ARMOR
Get personalized advice about this scenario

Armor models for various life scenarios we encounter:

Goal planning

Will your savings actually get you to each goal on time?

Portfolio rebalance

Has your money drifted too far into one direction without you noticing?

Idle cash

What is that money sitting in your savings account actually costing you?

Career break

How long can you take a break without dipping into your long-term investments?

ESOP & RSU

When should you exercise to keep the most money after tax?

Business evaluation

Is that new opportunity worth what it could do to your financial plan?

+ You can also build your own scenario.

Frequently Asked Questions

Armor gives you a step-by-step action plan. What to do first, how much, and when. If you have more questions, you can ask Armor's AI Advisor directly from the same screen.

Yes. Beyond the seven built-in scenarios, you can set up a custom one based on any decision you're considering. Armor models it the same way, with the same depth.

Yes. Every simulation runs on your real investments, real income, and real goals. The only thing that's hypothetical is the decision you're testing.

It's a way to pressure-test your plans. Increase a goal's cost or shorten the timeline, and Armor shows you exactly where your current plan holds up and where it falls short.

Yes. Run multiple scenarios and compare how each one affects your savings, your goals, and your Financial Health Score. It makes choosing between two paths much simpler.

Know the answer before you make the move.

Pick any scenario and see the impact on your wealth in minutes.

Run a scenario →