Step 1 of 2 — Define your goal

What does financial freedom look like for you?

Target Corpus

₹

Starting Corpus (what you have today)

₹

Projection Period

Income

Who's earning and how much

▾

Household Type

Person 1 — Gross Annual Income

₹

Person 2 — Gross Annual Income

₹

Starting Age (younger person)

Income Growth Rate (per year)

Both persons grow at the same rate

Investment Settings

Returns, inflation, savings rate

▾

Expected Annual Return (pre-tax)

You can tweak this on the results page with the What-If slider

General Inflation Rate

Your expenses grow by this % every year

Returns are auto-adjusted for 12.5% LTCG tax on equity gains above ₹1.25L/year (Budget 2024 rates). What you enter is pre-tax; what's used is post-tax.

Monthly Expenses

Your recurring monthly spend

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Rent / Housing

₹

Groceries

₹

Eating Out & Delivery

₹

Transport & Fuel

₹

Utilities & Internet

₹

Subscriptions & OTT

₹

Domestic Help / Maid

₹

Parental Support

₹

Monthly transfer to parents

Other Monthly

₹

Annual Expenses

Vacations, insurance, big-ticket items

▾

Vacations

₹

Health Insurance Premium

₹

Term / Life Insurance Premium

₹

Weddings / Gifts / Festivals

₹

Other Annual

₹

Expense Inflation Rate

How fast your expenses grow yearly

EMIs & Loans

Fixed monthly obligations — don't inflate

▾

EMIs are constant (not inflated). Enter what you currently pay per month. Enter 0 if none.

Home Loan EMI

₹

Remaining Tenure

yrs

Car Loan EMI

₹

Remaining Tenure

yrs

Other Loan EMI

₹

Remaining Tenure

yrs

Family Planning

Kids costs, career breaks

▾

Number of Children

No kids: 100% of savings goes into investments — the classic DINK advantage.

Estimated Year 1 Savings

₹—

Fill in income & expenses above

Monthly SIP Capacity

₹—

per month

Savings Rate

—

of net income

Made with love by Prakhar

Calculated with these assumptions

What If? Adjust and watch the chart update live

Expected Return (pre-tax)

10%

Corpus Growth Over Time

Projected corpus (9.1% post-LTCG)

Your target

Year-by-Year Breakdown

Year	Age	Gross Income	Tax	Net Income	Expenses	Savings	Corpus

Disclaimer: This tool is for planning and educational purposes only. Projections are based on the assumptions entered and do not guarantee future returns. India New Tax Regime (FY26), LTCG 12.5% above ₹1.25L exemption (Budget 2024), standard deduction ₹75,000. Not financial advice. Past returns are not indicative of future performance.

Made with love by Prakhar