Women, especially earning women, are contributing equally on all fronts in life whether we talk about family, workplace or in nation’s growth. Women in general now outpace men at every level of educational attainment. As working women’s earning power increases so does their responsibility to make critical financial decisions for themselves and their household. These decisions are influenced by the unique financial challenges that women face; for example, women often leave career at the peak of their earning potential to take care of children or family (family comes first), women tend to live longer than men, earn less, save less for retirement, they are more likely to live alone following the death of their spouse depending on their children. Financial planning is a process that seeks to organize one’s finances in the most efficient manner that will help realize one’s financial goals. In Indian scenario Financial planning needs to be done with involvement of all family members and their goals and needs incorporated. Since the goals of all members of the family like child education, holiday, retirement etc. are common, it is most effective when all members get involved in the financial planning. Financial planning needs to be done by each and every person especially whosoever is earning. It is equally important for both sexes but I, being a women, feel it is MORE important for women because then she will not be dependent on anyone or be at someone’s mercy, at least financially. This study increases the understanding of the unique financial needs of working women by examining needs of working women and suggesting them measures to do financial planning thus achieving social security for whole life.