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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.
First 3 buckets (liquid / low-risk): ₹48.00 L — covering 8 years of expenses before equities
Equity-heavy allocation — feasible if long-run returns meet expectations.
Balanced allocation — broadly aligns with the 4% rule for typical retirements.
Conservative allocation — maximum cushion for inflation, downturns, and longevity.
How the 4-bucket strategy works
Corpus computed as present value of inflation-adjusted expenses (6% p.a.) over your plan horizon, discounted at the assumed portfolio return. Bucket 4 = corpus minus the first 3 buckets. Actual refill amounts will be inflation-adjusted at the time of refill. Not financial advice — consult a registered planner.
Rent, groceries, utilities, EMIs, insurance — essentials you can't skip.
Dining out, subscriptions, travel, shopping — lifestyle spends.
SIPs, emergency fund, PPF, NPS — money that works for you.
Based on the 50-30-20 rule. Adjust proportions to match your actual lifestyle — the ratios are a starting guide, not a rule.
Investing ₹5.00 L at 12% for 10.0 years grows to ₹15.53 L — a gain of ₹10.53 L, which beats the ₹5.10 L you'd save by prepaying. But market returns are not guaranteed.
Your loan costs 8.5% p.a. For investing to beat prepaying, your market returns must exceed 102.0% p.a. after tax — consistently, over 10.0 years. That is a high bar — equity markets can deliver this but not reliably every year.
Illustrative only. Market returns are assumed constant — actual returns fluctuate. LTCG tax of 10% on equity gains above ₹1L/year not deducted from market scenario. Pre-closure charges (if any) not included. Not financial advice.
Corpus depletes in under 10 years
Consider reducing monthly withdrawal, lowering the annual increase rate, or growing your corpus before withdrawing.
Corpus Runway
Starting with ₹10.00 L at 10% p.a., withdrawing ₹50,000/month (rising 5% each year) — corpus fully exhausted.
4% Safe Withdrawal Rule — your rate: 60.00%
The 4% rule says withdrawing less than 4% of corpus per year is the safe zone. Your current rate of 60.00% exceeds this — the simulation runway above shows your actual outlook. Consider a lower monthly withdrawal or a larger starting corpus.
Safe zone: withdrawal rate < 4% · The actual corpus runway shown above is the definitive indicator for your specific inputs.
Total Withdrawn
₹11.50 L
lifetime withdrawals
At Year 5
—
corpus end of year
At Year 10
—
corpus end of year
At Year 20
—
corpus end of year
Illustrative estimate only. Returns assumed constant and pre-tax. Actual market returns vary. This simulation does not account for taxes on withdrawals, fund expenses, or market volatility. Not financial advice — consult a SEBI-registered financial adviser.
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.
Equity SIP typically 10–14% p.a.
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.
Total Monthly SIP Needed
₹24,650/mo
or a one-time lumpsum of ₹28.76 L invested today
Total Future Corpus
₹8.62 Cr
Goals Planned
1
Breakdown by Goal — SIP / One-time Lumpsum
* Each goal's SIP is independent. Start separate folios or use goal-based SIPs for clarity. The lumpsum figure is the single investment today that grows to the same corpus at your expected return — you can also mix the two: any lumpsum you invest now reduces the SIP proportionally.
in 30 years
₹24,650/mo
or ₹28.76 L one-time
Investing ₹16,369/mo (the same as the EMI would be) at 12% for 3.0 years grows to ₹7.12 L. Even after the item's price rises to ₹5.96 L with 6% inflation, you're left with ₹1.17 L to spare.
Take a loan, get the item today.
Invest the EMI amount instead, buy in 3.0 years.
Illustrative only. Assumes you invest exactly the EMI amount every month with the same discipline you'd need to pay EMIs, and that SIP returns and price inflation stay constant — actual returns and inflation vary. Ignores the value of having the item today (convenience, utility) versus waiting. LTCG tax on SIP gains not deducted. Not financial advice.
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.