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A free self-learning tool

The Co-Pilot
Capital Allocator

Most people never see the mechanics behind allocation — they just get a number and a fund name. This tool shows you the actual logic: how splitting your monthly surplus across four time-horizon buckets, at different rates of return, compounds into meaningfully different outcomes over 3, 5, or 7 years.

Your numbers
Enter income and expenses. The surplus is yours to allocate — the tool never stores it.
Benchmark returns
Projections use published category benchmarks — not promises. Liquid, debt, equity, and alternatives each carry their own rate.
Your decision
Move the sliders. Compare the outcomes. The model suggests — you decide. No advisor in the loop.
Monthly Surplus ₹70,000 This is what gets allocated across your four buckets.
Self-learning tool Projections use published benchmark returns for each category — illustrative only, not guaranteed. No product is recommended. This tool is for education, not advice.
Recommended Model
₹0
Projected corpus — risk-adjusted across 4 buckets
Your Custom Allocation
₹0
Based on your slider adjustments below
Difference
₹0
Adjust sliders to compare
Recommended Model 10 / 30 / 50 / 10
Why this split
Your Allocation 100% ✓
Runway — 0 to 12 months 10%
Flexibility — 1 to 3 years 30%
Core Engine — 3 to 7 years 50%
Asymmetric — 7 years plus 10%

Deb's read on your allocation

How this tool works — and what it doesn't do CoPilot uses indicative annualised benchmark returns for each category: Runway 4.5% (liquid funds / short-term FD), Flexibility 6.5% (short-duration debt + arbitrage), Core Engine 10% (diversified equity index benchmarks), Asymmetric 14% (small/mid-cap + alternatives benchmarks). These figures are drawn from publicly available long-run category averages and are used here purely to illustrate the compounding effect of different allocation choices.

This tool does not recommend any specific fund, stock, bond, or financial product. It does not take into account your tax situation, liabilities, dependents, or any other personal financial circumstances. The projected corpus figures are hypothetical — they assume consistent monthly contributions and stable benchmark returns, neither of which is guaranteed in practice. Past category performance does not predict future returns.

Purpose: This is a self-education tool. It is designed to help you understand the mechanics of allocation and the long-run impact of your choices — using your own numbers, on your own time, without any commercial outcome attached. It does not constitute investment advice under SEBI regulations or under any other regulatory framework. For personalised guidance, write to Deb directly.

© Debashis Pramanik. All rights reserved. The CoPilot capital allocator, four-bucket framework, and allocation methodology are original intellectual property of Debashis Pramanik and may not be reproduced or redistributed without written permission.