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Goals, SIP, Net Worth, Portfolio, Projections · ₹365/year
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ℹ️ About
Finscience
v49 · Not financial advice · Review annually
🏠 Profile & Portfolio
1 — Profile & Portfolio
Current age
Your age today
↓
Retire age
Age you wish to retire
↓
Life expect.
Expected age to plan until
Total savings (₹) incl. reserves
All your savings & investments combined till today
Annual investment (₹)
Total amount you plan to invest this year
Pre-ret return (auto)
—%
Weighted avg of B1/B2/B3 & Goal rates
Post-ret return (auto)
—%
Weighted avg of Bucket rates at retirement
Expected annual rise in cost of living
% you increase your SIP every year
💸 Monthly Expenses
2 — Monthly Expenses
| Category | Monthly (₹) | Share | Note (optional) | Until age | |
|---|---|---|---|---|---|
| Total | ₹0 | 100% |
🎯 Goals & Corpus
3 — Future Goals & Lump-Sum Targets
Edit any field directly. Add existing savings set aside for a goal — reduces SIP needed. Delete all goals if you have none.
| Goal name | Amount today (₹) | Existing ₹ set aside already |
Years | Age | Return % | Future Target | Inflate amt? | Monthly SIP needed | Remove |
|---|
🛡 Safety Net — What You Need RIGHT NOW (Before Retirement)
📁 Portfolio Split & Reserves
📁 Portfolio Split & Reserves
📁 Portfolio Split & Reserves
🗂 Split current portfolio across buckets
— optional but improves bucket planning accuracy
Return:
% p.a.
Return:
% p.a.
Return:
% p.a.
Kept in savings/liquid MF — for hospital emergencies not covered by insurance
For job loss — kept in savings/liquid MF, NOT invested
Add goals in Goals tab →
Existing savings earmarked for specific goals — grows separately from retirement corpus
📊 SIP Planner
2b — Investment Allocation Guide — Bucket-wise SIP Split
🔒
Year-by-year SIP distribution (with step-up)
See how each SIP amount grows year by year, bucket-wise instrument allocation, and full corpus growth charts.
Subscribe — ₹365/year →
💰 Withdrawal Strategy
4 — Retirement Corpus (Liquid Portfolio Only)
Will your money last?
⏳
—
Calculating...
Retirement monthly spend
💸
—
Today's expenses grown by inflation
You're investing
📈
—
—
▶ Advanced details — formula-based numbers
⚠️ Formula assumes all expenses run till life expectancy. Section 9 simulation is more accurate.
Corpus at retirement
—
—
Corpus required
—
—
Surplus / Deficit
—
—
Emergency fund
—
—
Safe drawdown (4% SWR)
—
4% of corpus ÷ 12
Real return post-retirement
—
return − inflation
Total you invested
—
your contribution
Compounding bonus
—
corpus − invested
5 — Withdrawal Strategy — How to Make Your Corpus Last Longer
3-Bucket allocation at retirement
In liquid fund ~7%
In debt/hybrid ~8%
Equity fund p.a.
Year-by-year SWP schedule — withdrawal, bucket balances & transfers
(all amounts inflation-adjusted · bucket balances at year-end)
Tax tip: SWP from equity mutual funds held >1 year is taxed as LTCG. Gains up to ₹1.25L/year are tax-free. Beyond that, 12.5% LTCG applies — far better than FD interest taxed at your slab rate.
Strategy comparison — corpus depletion under 3 approaches
Fixed withdrawal (dangerous)
Inflation-adjusted SWP
Bucket strategy (equity growth)
India safe withdrawal rate
—
3.5% (vs US 4%) — India inflation is higher
India SWR monthly (safe)
—
recommended starting drawdown
Your need vs India SWR
—
—
📈 Net Worth
6 — Net Worth Tracker
Real estate (illiquid — for information only)
| Asset | Current value (₹) | Growth % p.a. | Value at retirement | |
|---|---|---|---|---|
| Total | ₹0 | ₹0 |
Gold holdings (illiquid — for information only)
24K equivalent
Update with today's rate
India 20-yr avg: ~11% p.a. in INR
Current value
—
At retirement
—
Appreciation (total)
—
Net worth snapshot
Liquid vs illiquid
Summary at retirement (age —)
🏁 Estimated total wealth at age — (life expectancy)
— what may be left for your family
🔭 Projections & Insights
7 — Corpus Projections
Corpus growth (accumulation)
Corpus depletion (retirement)
8 — Insights & Recommendations
9 — Year-by-Year Wealth Projection
| Year | Age | Annual investment | Total Wealth Retirement + Goal funds |
Annual expense | Goal funds & outflows | Status |
|---|
10 — What-if Scenarios
💼 My Portfolio
Track all your investments in one place — Mutual Funds, Stocks, Smallcases, Bonds, FDs, RDs and PMS. Live NAV/price updates keep your current value accurate. Add instruments, monitor gains/losses, and see monthly income from bonds and fixed deposits.
Total Invested
—
across all instruments
Current Value
—
—
Total Gain / Loss
—
—
Monthly Income (Bonds)
—
from interest / payouts
🏦 Mutual Funds
📈 Stocks (NSE / BSE)
🧺 Smallcases
🏛️ Bonds, SGBs & Fixed Income
🏦 Fixed & Recurring Deposits
📋 Transaction History
🏢 PMS — Portfolio Management Services
🧮 Financial Calculators
Quick calculators for everyday financial planning decisions. No data is saved here.
🏦 EMI Calculator
Calculate monthly EMI for home, car or personal loans.
Monthly EMI
Total Interest
Total Amount
Interest %
of total repayment
📈 SIP Returns Calculator
Find out how much your monthly SIP will grow over time.
Future Value
Total Invested
Wealth Gained
Return Multiple
times your investment
💰 Lump Sum Calculator
See how a one-time investment grows with compounding.
Future Value
Wealth Gained
CAGR
Return Multiple
times your investment
🛡️ Emergency Fund Calculator
How much should you keep in liquid savings for emergencies?
Emergency Fund Needed
Monthly Obligation
expenses + EMIs
Suggested Instrument
🎯 Goal Planner
How much SIP do you need to reach a future financial goal?
Inflation-adjusted Goal
Monthly SIP Needed
Total Invested
Wealth Created
📬 PPF Calculator
Public Provident Fund maturity at current 7.1% p.a. (tax-free). Lock-in: 15 years.
Maturity Value
Total Invested
Tax-free Interest
Effective Return
CAGR