How to avoid the 'Zero-Savings Trap' for multi-generational support?

Automate your retirement SIPs first. Treat parents' medical buffer as a sinking fund and kids' college as a long-term goal. Never liquidate retirement assets for non-medical dependent needs.

What is a safe dependency ratio for urban households?

Ideally, less than 40% of your take-home pay should go towards supporting dependents (parents and children) to ensure your own financial independence is not compromised.

Sandwich Generation Cashflow Planner

Balance the financial pressure of supporting aging parents and raising children. Optimize cashflows for dual-caregiver households.

Quick Summary: Sandwich Generation Cashflow Planner

Indian millennials in 2026 face a 'double squeeze': 15% medical inflation for parents and 10% education inflation for kids. A healthy 'Sandwich' plan prioritizes self-retirement first, using education loans for kids and comprehensive base insurance for parents to preserve the core corpus.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.