Tools
Simple tools to think with.
Use these tools to frame a financial question. Each one is a small piece of arithmetic you control — not advice, not a product pick, and not a promise.
Build & grow
SIP Calculator
How a regular monthly contribution may compound at an assumed return.
Key inputs: Monthly investment, period, expected return
Use the tool →Step-up SIP
How raising the SIP once a year changes what you put in — not the market.
Key inputs: Starting SIP, period, return, step-up
Use the tool →Lumpsum
A one-time amount left to grow, including what it may be worth in today's money.
Key inputs: Amount, period, return, inflation
Use the tool →Goal Planner
What a future goal may cost and whether your current saving pace is nearby.
Key inputs: Goal, cost today, timeline, inflation, savings, SIP
Use the tool →CAGR
The constant annual rate between a start and end value.
Key inputs: Start value, end value, years
Use the tool →XIRR
An annualised return that respects when money went in and came out.
Key inputs: Initial amount, optional SIP, final value, years
Use the tool →Retirement & independence
Retirement Corpus
How large a corpus may need to be, and what your current plan may build.
Key inputs: Expenses, years to retire, retirement years, inflation, returns, SIP
Use the tool →Retirement Income
Turn a corpus into an illustrative monthly income.
Key inputs: Corpus, monthly income, years, return
Use the tool →Retirement Gap
Need versus on-track — a shorter view of the same arithmetic.
Key inputs: Expenses, years to retire, savings, SIP
Use the tool →FIRE Number
A financial-independence sketch from spending and a withdrawal rate.
Key inputs: Annual spending, withdrawal rate, savings, SIP
Use the tool →SWP Calculator
How withdrawals and assumed returns interact — including running out.
Key inputs: Corpus, monthly withdrawal, period, return
Use the tool →Withdrawal Rate
Whether a yearly withdrawal lasts for the years you enter.
Key inputs: Corpus, withdrawal %, years, return
Use the tool →One More Year
What delaying retirement by a year does to the gap.
Key inputs: Expenses, years to retire, savings, SIP
Use the tool →Couple Retirement
A household corpus while both are alive, then a reduced survivor budget.
Key inputs: Joint expenses, survivor expenses, years, inflation, return
Use the tool →Annuity vs SWP
Certainty of an annuity-style payout versus leftover capital in an SWP.
Key inputs: Corpus, payout, years, rates
Use the tool →Income from a corpus
FD Income
Interest before and after a tax rate you enter.
Key inputs: Principal, rate, tax %
Use the tool →Dividend Income
Distribution income at a yield, and yield on cost if payouts grow.
Key inputs: Corpus, yield, growth, years
Use the tool →Dividend Corpus
How much capital a target payout implies at a chosen yield.
Key inputs: Target income, yield
Use the tool →REIT Income
Educational distribution income from a REIT-style yield.
Key inputs: Amount, distribution yield
Use the tool →Workplace & India
EPF
A simplified EPF-style balance from contributions and an interest rate.
Key inputs: Basic, years, current balance, interest
Use the tool →NPS
An educational 60/40 split into lump sum and annuity. Rules change.
Key inputs: Monthly contribution, years, return, tax on lump
Use the tool →Gratuity
The 15/26 formula and the widely cited ₹20 lakh exemption cap.
Key inputs: Last salary, years of service
Use the tool →Risk, cost & borrowing
Inflation
What today's amount may cost later at a rate you choose.
Key inputs: Amount, years, inflation
Use the tool →Real Return
What remains of a quoted rate after tax and inflation.
Key inputs: Nominal rate, tax, inflation
Use the tool →Market Crash
A fall in year one while withdrawals continue — sequence risk in one picture.
Key inputs: Corpus, withdrawal, years, return, crash %
Use the tool →Healthcare Cost
A premium or medical figure grown at healthcare-specific inflation.
Key inputs: Annual cost, years, medical inflation
Use the tool →Loan EMI
EMI, interest and principal over a standard amortising loan.
Key inputs: Amount, rate, tenure
Use the tool →Emergency Fund
A cash buffer from essential expenses and months of cover.
Key inputs: Monthly essentials, months, existing savings
Use the tool →Got a number you'd like to sanity-check?
Bring it to a conversation. Assumptions are usually where the interesting discussion is.