Financial Planning Tools

Plan your wealth.
With clarity.

Powerful calculators to model your financial future — SIP, FIRE, EMI, XIRR, tax savings, net worth and more.

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SIP Calculator
Project your systematic investment plan returns with compounding over time.
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Future Value
Calculate how a lump sum investment grows across any time horizon.
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Asset Allocation
Build and visualise your portfolio mix across equity, debt and alternatives.
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Goal Planner
Set life goals and calculate exactly how much to invest each month.
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Return Projections
Model bear, base, and bull scenarios for your portfolio over time.
⚡
Rule of 72
Instantly see how long it takes to double your money at any rate.
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EMI Calculator
Calculate loan EMIs for home, car or personal loans with full amortisation.
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Tax Planner
New IT Act 2025 slabs, advance tax deadlines, and full tax computation for the current FY.
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FIRE Calculator
Find your Financial Independence number and when you can retire early.
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Net Worth Tracker
Add your assets and liabilities, see your net worth and financial health score.
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Inflation Impact
See how inflation erodes purchasing power and what you need to stay ahead.
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XIRR Calculator
Calculate true annualised returns on any portfolio with irregular cash flows.
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Make a Will
Create a legally structured Indian Will — assets, beneficiaries, executors, and wishes in one place.
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Insurance Needs
Calculate the right term life and health cover at every life stage — inflation-adjusted, based on real market rates.

SIP Calculator Monthly

Invested
₹0
Est. Returns
₹0
Total Value
₹0
XIRR (approx)
0%
Parameters
Total Invested₹12,00,000
Est. Returns₹11,61,695
Maturity Value₹23,23,391
Growth Over Time
Corpus Breakdown

What is a SIP?

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund or instrument. Compounding works on every instalment — earlier instalments compound longer, producing a snowball effect over time.

Core Formula — Future Value of SIP

FV = P × [ (1 + r)ⁿ − 1 ] / r × (1 + r) Where: P = monthly SIP amount r = monthly return rate = Annual Rate ÷ 12 n = total months = Years × 12 FV = maturity corpus

Step-Up SIP

Each year, the monthly SIP is increased by the step-up %. The FV is computed year-by-year, carrying forward the growing corpus.
SIPₖ = SIP₁ × (1 + step-up%)^(k−1) for year k

Key Assumptions

Returns are compounded monthly at a constant annual rate.
SIP is invested at the beginning of each month.
No exit loads, taxes, or expense ratios are deducted.
XIRR shown is an approximation — use the dedicated XIRR tool for irregular flows.

Future Value Calculator Lump Sum

Parameters
Principal₹5,00,000
Nominal Value₹15,52,924
Real Value (inflation adj.)₹8,67,361
Wealth Multiple3.1x
Nominal vs Real Value Growth

Compound Interest — Lump Sum Growth

A one-time investment grows exponentially via compounding. The longer the horizon, the more powerful the effect.
Nominal FV = PV × (1 + r)ⁿ Real FV = Nominal FV ÷ (1 + inflation)ⁿ Wealth Multiple = FV ÷ PV Where: PV = principal invested today r = annual nominal return rate n = time in years inflation = assumed annual inflation rate

Why Real Value Matters

A corpus of ₹2 crore in 20 years may only have the purchasing power of ₹60–70 lakh today at 6% inflation. The real value strips out inflation so you see what the money is actually worth.

Key Assumptions

Annual compounding (not monthly) is used for simplicity.
Returns and inflation remain constant over the period.

Asset Allocation Builder

Allocation Sliders
Equity
60%
Debt / Bonds
25%
Gold
10%
Real Estate
5%
Cash
0%
Total: 100%
Portfolio Size (optional)
Portfolio Stats
Expected Return (blended)11.5%
Risk LevelModerate-High
10Y Wealth Multiple2.98x
10Y Portfolio Value₹2.98Cr
Portfolio Visualisation

Blended Portfolio Return

Your portfolio's expected return is the weighted average of each asset class's assumed return.
Blended Return = Σ (weight_i × return_i) 10-Year Multiple = (1 + Blended Return)^10 10-Year Portfolio Value = Portfolio Size × 10-Year Multiple

Assumed Long-Run Returns Used

Equity — 13% p.a.
Debt / Bonds — 7% p.a.
Gold — 8% p.a.
Real Estate — 9% p.a.
Cash — 5% p.a.

Risk Classification

Blended return > 12% → High risk
9%–12% → Moderate-High
7%–9% → Moderate
Below 7% → Conservative

Key Assumptions

Returns are historical long-run averages and are not guaranteed.
Rebalancing, taxes, and transaction costs are not modelled.

Goal Planner

Select Goal
🏖️
Retirement
25 years
🎓
Child Education
15 years
🏠
Home Purchase
10 years
💍
Wedding
5 years
✈️
Dream Holiday
2 years
⭐
Custom Goal
Custom
What You Need
GoalRetirement
Target Corpus₹1,00,00,000
Current Savings (FV at Goal)₹0
Remaining to Accumulate₹1,00,00,000
Additional SIP Required₹0
Or Lump Sum Today₹0
Total You Invest (SIP only)₹0
Corpus Growth to Goal

How the Required SIP Is Calculated

This is the classic PMT (payment) formula — given a future target, it back-calculates the monthly investment needed.
Required SIP = Remaining × r / [ (1 + r)ⁿ − 1 ] Remaining = Target − FV of Current Savings FV of Current Savings = Current Savings × (1 + r)ⁿ Lump Sum Today = Target ÷ (1 + r)ⁿ Where: r = monthly rate = Annual Return ÷ 12 n = months to goal = Years × 12 Target = corpus needed at goal date

Why Current Savings Matter

Money already saved will grow on its own. Its future value is subtracted from the target before computing the SIP — so you only invest the additional amount you actually need.

Key Assumptions

SIP invested at end of each month (ordinary annuity).
Target is a nominal future value — not inflation-adjusted.
No step-up, taxes, or charges are modelled.

Return Projections

Investment Details
Scenario Returns
Bear₹0
Base₹0
Bull₹0
Scenario Comparison

Multi-Scenario Portfolio Projection

Each scenario grows an initial lump sum plus monthly additions at different return rates, to show the range of possible outcomes.
FV = P × (1 + r)ⁿ + M × [ (1 + r/12)^(12n) − 1 ] / (r/12) Where: P = initial investment M = monthly addition r = annual scenario return (Bear / Base / Bull) n = time horizon in years

Scenario Guidelines

Bear — conservative / poor-market outcome (e.g. 6–8%).
Base — long-run realistic expectation (e.g. 11–13%).
Bull — optimistic / strong-market outcome (e.g. 16–20%).

Key Assumptions

Returns are constant within each scenario (no volatility modelled).
Monthly contributions are made at month-end.

Rule of 72 Quick Calc

Parameters
6
years to double your money
2× in6 yrs → ₹2,00,000
4× in12 yrs → ₹4,00,000
8× in18 yrs → ₹8,00,000
10× in20.3 yrs → ₹10,00,000
Doubling Milestones

The Rule of 72

A quick mental-math shortcut: divide 72 by your expected annual return to estimate how many years it takes to double your money.
Doubling Time ≈ 72 ÷ Annual Return % Exact formula: Doubling Time = ln(2) ÷ ln(1 + r) = 0.6931 ÷ ln(1 + r) For 10× growth (exact): 10× Time = ln(10) ÷ ln(1 + r) = 2.3026 ÷ ln(1 + r)

Why 72?

From continuous compounding, the exact divisor is 69.3. Using 72 gives a very close result and is divisible by many common return rates (6, 8, 9, 12, 18, 24), making mental arithmetic easier.

Rule of 72 in Practice

At 12%: money doubles every ~6 years → 4× in 12 yrs → 8× in 18 yrs.
At 6%: money doubles every ~12 years → inflation halves purchasing power in 12 years.
Works well for rates between 6% and 20%.

EMI Calculator Loan

Monthly EMI
₹0
Principal
₹0
Total Interest
₹0
Total Payable
₹0
Loan Type
Parameters
Principal₹0
Total Interest₹0
Monthly EMI₹0
Total Payable₹0
Interest Ratio0%
Principal vs Interest Breakdown
Amortisation — Balance Over Time

EMI Formula

Equated Monthly Instalment (EMI) ensures a loan is fully repaid in equal monthly payments, each covering accrued interest plus a portion of principal.
EMI = P × r × (1 + r)ⁿ ÷ [ (1 + r)ⁿ − 1 ] Total Payable = EMI × n Total Interest = Total Payable − P Interest Ratio = Total Interest ÷ Total Payable × 100% Where: P = loan principal r = monthly interest rate = Annual Rate ÷ 12 ÷ 100 n = loan tenure in months

Amortisation Logic

Each month: Interest = Outstanding Balance × r. The rest of the EMI reduces principal. Early months are interest-heavy; later months are principal-heavy.

Key Assumptions

EMI is computed on a reducing-balance (not flat-rate) basis.
Rate is fixed for the entire tenure — no floating rate adjustments.
No processing fees, prepayment charges, or GST are included.

Tax Planner FY 2026–27

ℹ️ For Resident Indian Individuals only. This tool applies the New Income Tax Act 2025 slabs effective FY 2026–27 (AY 2027–28). Under the new Act, the old tax regime (80C, 80D, HRA etc.) stands abolished. Only the updated new regime applies. Tax slabs and rebate limits update automatically each financial year.
Income Details
Allowed Deductions (New Regime)
Under the New IT Act 2025, standard deduction of ₹75,000 is auto-applied. Only NPS employer contribution remains deductible.
💡 Advance Tax
Advance tax is required if total tax liability exceeds ₹10,000 in a year.
📅 By 15 Jun 2026₹0 (15%)
📅 By 15 Sep 2026₹0 (cumul. 45%)
📅 By 15 Dec 2026₹0 (cumul. 75%)
📅 By 15 Mar 2027₹0 (100%)
Tax Computation — New Regime (Only Regime)
Gross Total Income₹0
Standard Deduction− ₹75,000
NPS Deduction− ₹0
Taxable Income₹0
Tax on Slabs₹0
Rebate u/s 87A₹0
Surcharge₹0
Health & Education Cess (4%)₹0
Total Tax Payable₹0
Effective Tax Rate0%
Monthly Tax Outgo₹0
Tax Slab Breakdown
FY 2026–27 New Regime Slabs: Up to ₹4L → Nil · ₹4–8L → 5% · ₹8–12L → 10% · ₹12–16L → 15% · ₹16–20L → 20% · ₹20–24L → 25% · Above ₹24L → 30%. Income up to ₹12L is NIL tax (87A rebate). Surcharge applies above ₹50 lakh.

New Income Tax Act 2025 — FY 2026–27 Onwards

The New IT Act 2025 replaces the Income Tax Act 1961. The old regime (80C, 80D, HRA etc.) is abolished. Only the updated new regime applies.

Tax Slab Calculation

Taxable Income = Gross Income − ₹75,000 (Std. Ded.) − NPS Employer Slab-wise tax (FY 2026–27): ₹0 – ₹4,00,000 → Nil ₹4,00,001 – ₹8,00,000 → 5% ₹8,00,001 – ₹12,00,000 → 10% ₹12,00,001 – ₹16,00,000 → 15% ₹16,00,001 – ₹20,00,000 → 20% ₹20,00,001 – ₹24,00,000 → 25% Above ₹24,00,000 → 30%

Rebate u/s 87A & Surcharge

87A Rebate: If Taxable Income ≤ ₹12,00,000 → Tax = ₹0 (Rebate capped at ₹60,000) Surcharge on income tax (not on income): ₹50L–₹1Cr → 10% surcharge ₹1Cr–₹2Cr → 15% surcharge Above ₹2Cr → 25% surcharge Total Tax = (Tax on Slabs − Rebate + Surcharge) × 1.04 (4% Health & Education Cess on total)

Advance Tax Instalments

15% by 15 June of the FY
45% (cumulative) by 15 September
75% (cumulative) by 15 December
100% by 15 March of the FY
No advance tax required if total liability ≤ ₹10,000.

FIRE Calculator Retire Early

FIRE Number
₹0
Years to FIRE
0 yrs
FIRE Age
0
Monthly Savings Reqd
₹0
Legacy Corpus
₹0
Your Profile
Manual FIRE Number Override
Know your FIRE number already? Enter it directly to calculate your savings timeline.
Full Lifetime Corpus — Accumulation & Decumulation
FIRE Number (auto / manual)₹0
Monthly SIP needed₹0
Retirement duration0 years
Annual Savings needed₹0
Real Return post-FIRE0%
Corpus at Retirement₹0
Legacy Corpus at age 85₹0
Calculating…

The FIRE Philosophy

Financial Independence, Retire Early (FIRE) rests on the idea that once your corpus generates enough passive return to cover inflation-adjusted expenses, you no longer need to work.

FIRE Number — Two Methods (higher of the two is used)

Method 1 — 25× Rule (4% Safe Withdrawal Rate): FIRE Number = Annual Expenses at Retirement × 25 Method 2 — PV of Annuity (exact): FIRE Number = AE × [ 1 − (1 + real_rate)^(−n) ] ÷ real_rate real_rate = (1 + post-FIRE return) ÷ (1 + inflation) − 1 AE = Monthly Expenses × 12 × (1 + inflation)^years_to_FIRE n = Life Expectancy − Retirement Age

Accumulation Phase — SIP to Reach FIRE

FV of current savings = Corpus × (1 + pre-FIRE return)^years Additional SIP needed: SIP = Remaining × r ÷ [ (1 + r)ⁿ − 1 ] Remaining = FIRE Number − FV of current savings r = pre-FIRE monthly return

Decumulation Phase — Year-by-Year Simulation

After retirement, the tool simulates each year of your life until life expectancy:
Corpus(t+1) = Corpus(t) × (1 + post-FIRE return) − Withdrawal(t) Withdrawal(t) = First-year expenses × (1 + inflation)^t This shows whether your corpus grows, stays stable, or depletes.

The Legacy Corpus Insight

If Post-FIRE Return > Inflation → Real Return > 0 If Real Return > Withdrawal Rate → Corpus GROWS through retirement Legacy Corpus = Corpus value at age = Life Expectancy • Growing corpus: legacy > initial FIRE corpus (nominal) • Stable corpus: legacy ≈ initial FIRE corpus • Depleting corpus: corpus reaches ₹0 before life expectancy ⚠️

Chart Colour Key

Gold line (accumulation) → building corpus pre-retirement.
Green line (decumulation) → corpus growing in retirement; real return exceeds withdrawal rate.
Blue line (decumulation) → corpus stable; real return roughly matches withdrawal rate.
Red line (decumulation) → corpus depleting; real return insufficient to sustain withdrawals.

Key Assumptions

Expenses grow with inflation every year throughout retirement.
Post-FIRE corpus earns a constant annual return.
No windfalls, inheritance, or one-off large expenses modelled.
Manual FIRE Number overrides both auto-calculated methods.

Net Worth Tracker Snapshot

Total Assets
₹0
Total Liabilities
₹0
Net Worth
₹0
Health Score
—
💡 Enter values in ₹ (rupees). Supports any scale — e.g. enter 50000000 for ₹5 crore. All fields are free-text.
Assets
Liabilities
Assets vs Liabilities
Asset Composition
Financial Health Score
—
Calculating…

Net Worth Formula

Net Worth = Total Assets − Total Liabilities

Asset Categories

Cash & FDs — liquid / near-liquid
Equity / MF / PMS / AIF — market value today
PPF / EPF / NPS — current corpus
Bonds / Debt MF — face / market value
Real Estate — current market value (not cost)
Gold — current market value
Business / Unlisted — estimated fair value

Financial Health Score Logic

Score is derived from three sub-metrics: 1. Debt-to-Asset Ratio = Liabilities ÷ Assets <20% → excellent · 20–40% → good · 40–60% → fair · >60% → stressed 2. Liquid Ratio = Liquid Assets ÷ Total Liabilities (Liquid = Cash + Equity + MF) >1.5× → excellent · 1–1.5× → good · <1× → watch 3. Net Worth Positivity Negative net worth → automatic cap on score

Key Assumptions

All values should be entered at current market value, not cost.
The health score is illustrative and not a formal credit/risk metric.

Inflation Impact Calculator Purchasing Power

Today's Value
₹0
Future Value Needed
₹0
Purchasing Power Lost
0%
Return Needed to Beat
0%
Parameters
Today's Amount₹10,00,000
Equivalent in future (real)₹0
Investment grows to₹0
Real gain (inflation-adj.)₹0
Real Return (net of inflation)0%
Purchasing Power Erosion vs Investment Growth
Break-even Return Rate Analysis
Common Goods — What ₹100 Buys
Life Milestone Costs
Investment Products — Your Amount Grows To

How Inflation Erodes Purchasing Power

Inflation compounds just like investment returns — it silently reduces what your money can buy over time.
Future Cost = Today's Amount × (1 + inflation rate)ⁿ Purchasing Power in Today's ₹ = Future Amount ÷ (1 + inflation)ⁿ Real Return = (1 + Nominal Return) ÷ (1 + Inflation) − 1 Net Gain = Investment FV − Inflation-adjusted Cost

Break-Even Return

To just preserve purchasing power, your investment return must at least equal inflation. To actually grow wealth in real terms, you must beat inflation.
Break-even return = Inflation Rate To build real wealth: Nominal Return > Inflation Rate

The Chart Shows

Bar chart: real gain or loss at 7 common return rates vs the inflation-adjusted target.
Green bars: return beats inflation; red bars: you're losing purchasing power.

XIRR Calculator

Find the true annualised return (IRR) on investments with irregular cash flows — SIPs, MFs, stocks, or any portfolio.

Enter each cash flow with its date. Use negative values for investments (money out) and positive values for redemptions / current value (money in).

Date Amount (₹) –
XIRR (annualised)
—
Total Invested
—
Current Value
—
Absolute Return
—

What is XIRR?

XIRR (Extended Internal Rate of Return) is the true annualised return on any investment with irregular cashflows and dates — more accurate than CAGR for SIPs, part-redemptions, or mixed portfolios.

The XIRR Equation

XIRR finds the rate r that makes the Net Present Value (NPV) of all cashflows equal to zero:
NPV = Σ [ CFᵢ ÷ (1 + r)^tᵢ ] = 0 Where: CFᵢ = cashflow i (negative = investment, positive = redemption) tᵢ = time in years from the first cashflow date r = XIRR (annualised rate) — what we solve for

Newton-Raphson Iteration

Since the equation has no closed-form solution, we use numerical iteration:
r_new = r_old − NPV(r_old) ÷ NPV′(r_old) NPV′(r) = −Σ [ tᵢ × CFᵢ ÷ (1 + r)^(tᵢ + 1) ] Converges in ~10–50 iterations to 10-decimal precision.

Sign Convention

Investments (money going out) → enter as negative (e.g. −10,000).
Redemptions or current value → enter as positive.
You need at least one positive and one negative cashflow.
The last entry is typically the current portfolio value (positive).

Make a Will

Create a legally structured Will under the Indian Succession Act, 1925 — beneficiaries, assets, executors, and final wishes.

Indian Succession Act, 1925 §59: Any person of sound mind who is not a minor may make a Will. We strongly recommend registration at a Sub-Registrar office under the Registration Act, 1908. This tool is not a substitute for legal advice.
Personal Details
Residential Address
Beneficiaries are those who will inherit your assets. Add full legal names, valid IDs, and contact details. Minor children (under 18) will need a Guardian appointed in Step 3.
Beneficiaries
Executor administers your estate after death. List in order of priority — the second acts only if the first is unable. The Guardian manages assets for minor children if both parents are deceased.
Executors (in priority order)
Guardian for Minor Children (if applicable)
Assets — this does not need to be exhaustive. Assets not listed here are covered by the Residuary Estate clause. Add what you know.
Immovable Properties
Bank Accounts
Demat / Broking Accounts
Mutual Funds
NPS / PPF / EPF
Insurance Policies
Business / LLP / Partnership
HUF
Jewellery & Valuables
Vehicles
Overseas / Other Assets
Assign each beneficiary a share of the Residuary Estate (assets not individually listed, or acquired after this Will). Percentages must total 100%.
Residuary Estate Distribution
Alternate Beneficiaries
If a beneficiary predeceases you, who should receive their share?
Funeral & Last Wishes
Outstanding Debts & Liabilities
Your executor will clear these from your estate before distributing to beneficiaries.
Witnesses
Indian Succession Act §63: A Will must be signed in the presence of at least 2 witnesses simultaneously. Witnesses must not be beneficiaries under this Will.
WITNESS 1
WITNESS 2
Will Preview
Before signing: Print the Will and have the testator sign every page in the simultaneous presence of both witnesses, who must also sign every page. For maximum legal protection, register your Will at the Sub-Registrar's office under the Registration Act, 1908.

Insurance Needs Protection

Calculate how much term life insurance and health insurance you need at each life stage. Term cover uses inflation-adjusted expense projections and real market rates. Health costs are auto-updated for medical inflation.

Your Life Stage
Recommended Cover
—
Cover Gap
—
Est. Annual Premium
—
Multiple of Income
—
Your Financials
3%Inflation-adjusts expense coverage over dependent years12%
HLV Component—
Expense Coverage (inflation-adj.)—
Liability Component—
Recommended Cover—
Less: Existing Cover—
⚠ Cover Gap—
Suggested Policy Term—
Est. Annual Premium (gap cover)—
Analysis
Enter your details on the left.
Market Premium Rates per ₹1 Cr — 2025 (Non-smoker, ~30-yr term, online)

Source: HDFC Life, ICICI Pru, Axis Max Life, Tata AIA (Q4 2025). Your band is highlighted ◀

Age Band Male (₹/Cr/yr) Female (₹/Cr/yr) Top Plans

Smokers pay ~70–100% more. Add 18% GST. Delay by 5 yrs = ~35% premium increase. Online is 20–30% cheaper.

Life Stage Guidance

Term Insurance: Three-Component Model

Recommended cover = maximum of three independent methods:
1. HLV = Annual Income × Working Years × 0.65 Working Years = max(60 − Age, 5) Factor 0.65 strips personal consumption from future income 2. Expense Coverage (Inflation-Adjusted) = Expenses × (1 + r) × [(1 + r)^n − 1] / r r = expense inflation rate, n = dependent years (Sum of geometrically growing annual expenses — nominal total the family needs to fund dependents, not a flat multiple) Dependent years: Single: 10 yrs | Married/no kids: 15 yrs With children: max(25 − youngest child age, 10) yrs 3. Liability Cover = full outstanding loan principal Recommended Cover = max(HLV, Expense Coverage, Liability Cover) Cover Gap = max(0, Recommended Cover − Existing Cover)

Premium Rate Sources (2025)

Rates from published 2025 tables of HDFC Life Click2Protect Supreme Plus, ICICI Pru iProtect Smart Plus, Axis Max Life Smart Term Plan Plus, Tata AIA Sampoorna Raksha. Non-smoker, standard health, ~30-yr term, online purchase, annual pay. GST (18%) excluded.
HDFC data: Age 25 = ₹9,524/Cr/yr; Age 35 = ₹15,377/Cr/yr (20-yr term). Axis Max Life: Age 25, ₹2Cr = ₹17,222/yr. ICICI: Age 30, ₹1Cr ≈ ₹10,900/yr.
Female premiums ~12% lower. Smokers pay 70–100% more. Rates reflect Q4 2025 market.

Health Insurance: Procedure Cost Methodology

2025 base costs from Apollo, Fortis, Max, Manipal published rate cards and patient cost data. Auto-escalated to the current calendar year at 12% medical inflation.
Current Year Cost = Base 2025 Cost × (1.12)^(Current Year − 2025) Medical inflation: 12% p.a. (India, confidence: moderate) Fortis ICU: ₹18,000–35,000/day; Apollo ICU: ₹20,000–60,000/day (2025)
Procedure costs include surgeon fees, OT charges, anaesthesia, standard 5–7 day stay, nursing. High-end implants, imported drugs, or prolonged stays excluded.