Enter current balances across all asset classes in INR Lacs, eg for 1 Cr put 100
Savings & Deposits
₹
₹
Market Investments
₹
₹
Real Assets
₹
Investment/rental property only — exclude your primary residence
₹
Liabilities
₹
%
Live Net Worth Snapshot
₹0 L
Net Worth
FD & Cash₹0 L
Equity & MF₹0 L
Bonds & Fixed Inc.₹0 L
Real Estate₹0 L
Gold & Alts₹0 L
Loans (−)−₹0 L
Net Worth₹0 L
📊 Step 3 · Your Savings
Income & Spending
Tell us about your current earnings, taxes, and lifestyle spending. Enter all values in INR Lacs.
₹
₹
%
Your effective income-tax rate. New regime: 0 / 5 / 10 / 15 / 20 / 30%.
%
Tax on retirement withdrawals / returns. Often 0 for most retirees.
Gross Annual Savings (Pre-Tax)
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Income − Expenses (before tax)
Net Annual Savings (Post-Tax) ✦
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After-tax income − Expenses · goes into investments
₹
How much you actually invest each month across MF SIPs, stocks, NPS, PPF etc. This is used for all projections.
₹
Enter what you'd spend per year if you retired today. Both pre- and post-retirement expenses are assumed to grow at 6% inflation annually.
Remaining goes into debt (FDs, bonds, PPF). Most planners suggest 60–80% equity for long-term goals.
⚙️ Step 4 · Growth Rates
Investment Return
Fine-tune your expected return rates for pre and post retirement periods.
%
📊 Current Asset Mix Growth Rate (auto-computed)
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Based on your asset values in Step 2: Equity (13%) + Debt/RE/Gold (7%) blended by actual ₹ weights. This rate is applied to your existing Net Worth only.
💡 Suggested rate based on your future allocation: Equity (13% long-term) + Debt (7%) → Blended = 11.0% · You can adjust freely.
Return your Net Worth earns while you draw from it. Suggestive rates 6–8%.
⚠️ Bold call! At this rate your money grows faster than you can spend it. Fine for projections, but your 80-year-old self may disagree with your current opinion.
🎯 Step 5 · Life Goals
Major Life Goals
Add any large one-time expenses planned during your life — child's education, wedding, world tour, property purchase. Each goal is inflated at 6% p.a. to its target year and shown as a dip on your wealth journey chart.
No goals added yet — click below to add a major life event. Goals are optional.
🎉
Required Net Worth at Retirement
₹0
Inflation-adjusted for 30 post-retirement years
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Years to Retirement
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Net Worth Today
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Projected Net Worth
Net Worth Gap
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Additional Monthly Investment Needed
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Current Investments
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Total Monthly Investment Needed
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Net Worth Comparison — Your Mix vs 100% Equity
Your Mix · 70% Eq / 30% Debt
Projected Net Worth with your chosen allocation
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Growth rate: —
100% Equity · 13% p.a.
Projected Net Worth with full equity investment
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Growth rate: 13.0%
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Net Worth Journey — Today to Life Expectancy
● Net Worth Growing (Pre-Retirement)- - Net Worth Drawdown (Retirement)● Net Worth Target