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Practical tools for retirement planning, budgeting, and financial decisions — computed instantly in your browser. No login, no data stored.
Answer a few questions about your income, savings, debt, and insurance. The calculator benchmarks you across 5 key ratios — savings rate, emergency fund, EMI burden, debt-to-asset, and retirement readiness — and gives you a single score with a prioritised action plan.
No login · No PAN · No Aadhaar · Inputs stay in your browser
What you get
Enter your monthly expenses, your age, and life expectancy. The calculator tells you the exact corpus you need right now — split across 4 buckets — to sustain exactly that lifestyle until your last year. No buffer. No extras. Just the number.
Enter your monthly take-home salary. The 50-30-20 rule splits it into needs (50%), wants (30%), and savings (20%). Use this as a starting point to allocate your money intentionally.
You have a lump sum sitting in your account. Compare pre-closing your loan, which reduces future interest cost, against investing it in the market for potentially higher returns. Enter your loan details and the calculator shows the scenario gap with numbers.
You have a lump sum invested and want to withdraw monthly. Enter your corpus, expected return, monthly withdrawal, and annual withdrawal increase — the calculator shows how long your money lasts and what it looks like year by year.
Want to close your loan faster? Compare two strategies — paying one extra EMI every year vs making a one-time part payment — and see exactly how many months you save and how much interest you avoid.
Plan every financial goal in one place — retirement, children's education, marriage, and any custom milestone. Enter your goals, their future cost, and inflation; the planner tells you exactly how much SIP you need today for each one.
Want something today but don't have the cash? Buy it now on EMI, or invest that same monthly amount as a SIP and buy it once you've saved enough. Enter the price and terms for a clear, numbers-based verdict.
Comparing two loan offers from different banks? Enter each one's principal, rate, tenure, and processing fee — the calculator compares total cost, not just the headline EMI, and tells you which one actually costs less.
Buying a home or car you can afford in full — should you? Compare paying entirely in cash against a down payment plus loan, investing the rest instead of paying it upfront. See which leaves you with more net wealth.
Enter retirement expenses to compare scenarios.
Starting corpus is the sum of each future month-end withdrawal discounted to today. Annual returns use the effective monthly factor (1 + annual return/100)^(1/12). Spending increases once each year by entered inflation. No taxes, fees, pension income, asset allocation or market-return sequence is modeled. Constant returns are assumptions, not forecasts or safe withdrawal rates. All monetary inputs are rupees.
Educational calculation only. Results are illustrative estimates, not personalized financial, investment, tax, legal, insurance, credit or lending advice.
Enter a positive income and nonnegative spending amounts. Empty optional categories count as zero.
A changed scenario needs valid spending and income above zero.
Amounts are monthly rupees. Each expense belongs in one category only. Unallocated = income minus essentials, debt, flexible spending and goal contributions. Ratios describe entered amounts; no ratio is graded as good, bad or safe.
Educational calculation only. Results are illustrative estimates, not personalized financial, investment, tax, legal, insurance, credit or lending advice.
Based on the 50-30-20 rule. Adjust proportions to match your actual lifestyle — the ratios are a starting guide, not a rule.
This compares modeled interest saved with projected investment gain over the original 10.0-year loan horizon. It does not value the EMI cash flow released after early payoff or adjust for taxes, charges, market volatility, or benefit timing.
A constant annual investment return of 7.29% would produce a projected gain equal to the modeled ₹5.10 L interest saving over 10.0 years. This is not the loan APR, a guaranteed return, a risk-adjusted comparison, or a post-tax result.
Illustrative comparison only. The loan keeps the same EMI after prepayment. The investment uses a constant annual return assumption over the original loan tenure. Taxes, prepayment charges, market volatility, and reinvestment of EMIs released after early payoff are not included. Not financial advice.
Paying 1 extra EMI per year saves 24 months and ₹3.46 L in interest. A one-time payment of ₹3.00 L saves 32 months and ₹6.55 L in interest.
Each December, pay one additional EMI directly to principal.
Pay ₹3.00 L today, keep the same EMI, close earlier.
Many lenders charge a foreclosure / prepayment penalty of 2–4% on the outstanding principal for fixed-rate loans. However, per RBI guidelines (2012), banks and NBFCs cannot levy prepayment charges on floating-rate home loans for individual borrowers. Always confirm with your lender before making a part payment. Factor in any penalty when comparing strategies — it reduces effective interest savings.
Illustrative only. Calculations assume constant interest rate and no processing fees. Actual savings may vary. Not financial advice.
Planning return assumption — actual investment returns may be higher or lower.
50 Thousand
Corpus = Annual expense / 4% rule, inflation-adjusted at 6% p.a.
No children added. Click "Add Child" to plan education & marriage goals.
No custom goals yet. Add goals like home purchase, travel, business, etc.
Illustrative Monthly SIP
₹37,797/mo
or a one-time lumpsum of ₹49.37 L invested today
Projected Future Corpus
₹8.62 Cr
Goals Planned
1
Breakdown by Goal — SIP / One-time Lumpsum
Each goal is an independent illustration. Monthly SIPs are modeled at the beginning of each month, using annual return divided by 12; lump sums use annual compounding. Returns are assumptions, not forecasts. No investment or account selection is made.
6% annual assumption
₹85,338/month
8% annual assumption
₹57,424/month
10% annual assumption
₹37,797/month
12% annual assumption
₹24,406/month
in 30 years
₹37,797/mo
or ₹49.37 L one-time
Loan A costs ₹62.58 L in total (EMI ₹26,035/mo). Loan B costs ₹65.71 L in total (EMI ₹27,379/mo).
Illustrative only. Compares total cost (all EMIs plus any processing fee) over each loan's full tenure — a lower EMI with a longer tenure can still cost more overall. Excludes prepayment charges, insurance add-ons, and rate changes over time (for floating-rate loans). Not financial advice.
Investing ₹48.00 L (the amount you'd otherwise pay upfront) at 12% for 15.0 years grows to ₹2.63 Cr — a gain of ₹2.15 Cr, which beats the ₹37.08 L you'd pay in loan interest over the same period.
No loan, no interest, no investment.
Pay ₹12.00 L down, invest the rest instead of paying cash.
Illustrative only. Assumes the invested amount grows at a constant expected return — actual returns fluctuate and are not guaranteed, while loan EMIs are fixed obligations regardless of market performance. Ignores home-loan tax benefits (Section 24b, 80C) and LTCG tax on investment gains. Not financial advice.