Plan your money

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In-hand salary
+₹1.00 L
Living expenses
−₹30,000
Home Loan EMI
8.5% p.a.
−₹43,391
Car Loan EMI
9.5% p.a.
−₹21,000

Left over each month+₹5,609

This surplus is what the planner uses each month — routed into loan acceleration, SIP, or both, depending on the strategy you pick.

(In the background, ~₹14,400/mo also flows into EPF/EPS — already deducted from your CTC before in-hand, so not shown here.)

Current age

Retirement age

Life expectancy

In-hand salary / month

₹

≈ ₹1.00 L

What actually hits your bank account — post-tax, post-EPF deductions

Salary growth (% / yr)

Total expense / month

₹

≈ ₹30,000

Inflation (% / yr)

Payoff order

Type

Rate (% / yr)

Outstanding

₹

≈ ₹50.00 L

EMI

₹

≈ ₹43,391

Type

Rate (% / yr)

Outstanding

₹

≈ ₹10.00 L

EMI

₹

≈ ₹21,000

Custom plan — decide which loans to attack first

I contribute to EPF (Employee Provident Fund)

Current EPF balance

₹

EPF interest rate (% / yr)

Basic + DA / month

₹

≈ ₹60,000

Typically 30–50% of your CTC. This grows 5% each year with your salary hike.

EPS wage ceiling

₹

≈ ₹15,000

Govt limit is ₹15,000/mo. Leave as-is unless your company has a special arrangement.

Current EPS balance (approx)

₹

Years of service at retirement

Total number of years you'll have worked in EPF-covered jobs by the time you retire.

Include pension (EPS) — uncheck if your company opted out or your Basic salary is above the ceiling

You (12%)

₹7,200

Employer → EPF

₹5,951

Employer → EPS

₹1,250

Estimated EPS pension at retirement: ₹5,357 / month (formula-capped). This is a pension stream, not a lump sum — it reduces how much corpus you need.

No extra income streams. Common examples: rental income from a flat, freelance/consulting, spouse's salary, monthly interest from FDs.

Quick add

Add any savings or investments you already hold — equity, gold, PPF, real estate, FDs.

Quick add

I contribute to NPS

Add lump-sum life events. These are big future expenses that will deplete your corpus at a specific age — the planner accounts for them.

Quick add

Add trips and festival budgets. Each fires at its own cadence (e.g. India trip every year, foreign trip every 2 years) until an age you set — travel usually tapers with age.

Quick add

These are funded via silent year-end withdrawals from SIP (then EPF). Trip money briefly compounds in SIP before you spend it. See the full breakdown in results.

★

Recommended for your numbers

Invest alongside

Pay only scheduled EMIs. All monthly surplus goes into SIP from day one. Any loan still open at retirement is closed as a lump from corpus.

≈ ₹55.08 L more net corpus than the next best strategy.

Strategy

Show as

🏖️ Savings at retirement

₹9.17 Cr

total saved · at age 55

🎯 How much you'll need

₹3.99 Cr

to cover 25 years of retirement

✅ You're ahead

₹5.17 Cr

On track · ~₹37.76 Cr still left at age 80

💡How a modest starting SIP scales into this multi-crore corpus

Compounding Mechanics

Wondering how starting with ₹5,609/month snowballs into a substantial retirement corpus? Your contributions aren't static — two key compounding accelerators kick in over time:

🚀5% Annual Salary Hike

Every annual appraisal expands your monthly surplus. Your SIP steps up progressively from ₹5,609/mo today to ~₹1.70 L/mo before retirement.

🔓Freed-Up Loan EMIs

Once loans close (by Oct 2046), the entire ₹64,391/mo EMI is automatically redirected into SIP compounding.

📈Exponential Compounding

In later years, reinvested returns earned on your accumulated portfolio generate vastly more wealth than fresh monthly deposits alone.

💼 What you'll have at retirement

Tax applied on gains

📊Mutual Fund / Equity SIP+₹7.80 Cr

📈Profit earned+₹5.51 Cr

🔻Tax on profit (12.5% LTCG)−₹68.75 L

🛡️EPF balance (tax-free debt)+₹2.06 Cr

💰 Money you can spend₹9.17 Cr

🏅 Government pension (EPS)

₹5,357 / month for life

📖 How "Invest alongside" plays out

Pay only scheduled EMIs. All monthly surplus goes into SIP from day one. Any loan still open at retirement is closed as a lump from corpus.

▶
Plan beginsOct 2026 · age 30.0
Only the scheduled EMI (₹64,391/mo) is paid on each loan. Your surplus of ~₹5,609/mo flows into SIP from month 1. Loans amortise naturally, and anything still open at retirement is lump-closed from corpus.
✓
Car Loan paid offOct 2031 · age 35.0
Freed-up ₹21,000/mo now flows into your SIP. Interest paid on this loan: ₹2,60,143.
✓
Home Loan paid offOct 2046 · age 50.0
Freed-up ₹43,391/mo now flows into your SIP. Interest paid on this loan: ₹54,13,942.
↗
Fully debt-freeOct 2046 · age 50.0
All loans are paid off ahead of retirement.
★
Retirement (age 55)Oct 2051 · age 55.0
Corpus of ₹9,21,04,193 in place. All loans already paid off.
★
Passive income kicks inOct 2051 · age 55.0
Every month you get EPS pension ₹5,357 = about ₹5,357/mo without touching your corpus.
🏖️
Living in retirementNov 2051 · age 55
Monthly picture
Total spend
₹1.63 L
per month
Pension / income
₹5,357
auto-covered
From savings
₹1.57 L
from ₹₹9.17 Cr pot
✅
Corpus survives to age 80 — your full life expectancy
₹37.76 Cr still in the pot at 80 · ₹1.28 Cr in today's ₹

🗓️ All loans paid off by

Oct 2046

💸 Total interest you'll pay

₹56.74 L

📈 How your money grows over time

Future ₹ (not adjusted for inflation)

Salaried Phase (Age 30–55): Salary + SIP contributionsRetirement Phase (Age 55+): Zero salary · Living off corpus

💡Why the curve turns steep: Annual salary hikes increase your monthly SIP, and once loan EMIs are completed, all freed cashflow flows straight into compounding.

🏦 When your loans will be paid off

Loan	Closes in	Interest paid
Car Loan	Oct 2031(month 61)	₹2.60 L
Home Loan	Oct 2046(month 241)	₹54.14 L

🗂️ Detailed breakdown

Year-by-year progression of salary hikes, loan payoffs, SIP compounding, and EPF savings.

Age	Income/yr	Expense/yr	EMI paid	SIP contrib.	SIP balance	EPF balance	Loan bal.	Total corpus
30	₹12.00 L	₹3.60 L	₹7.73 L	₹67,308	₹71,136	₹1.64 L	₹57.36 L	₹2.35 L
31	₹12.60 L	₹3.85 L	₹7.73 L	₹1.02 L	₹1.88 L	₹3.50 L	₹54.48 L	₹5.38 L
32	₹13.23 L	₹4.12 L	₹7.73 L	₹1.38 L	₹3.58 L	₹5.62 L	₹51.32 L	₹9.20 L
33	₹13.89 L	₹4.41 L	₹7.73 L	₹1.75 L	₹5.89 L	₹8.01 L	₹47.86 L	₹13.90 L
34	₹14.59 L	₹4.72 L	₹7.73 L	₹2.14 L	₹8.90 L	₹10.71 L	₹44.07 L	₹19.61 L
35	₹15.32 L	₹5.05 L	₹5.21 L	₹5.06 L	₹15.37 L	₹13.75 L	₹42.54 L	₹29.11 L
36	₹16.08 L	₹5.40 L	₹5.21 L	₹5.47 L	₹23.10 L	₹17.15 L	₹40.89 L	₹40.25 L
37	₹16.89 L	₹5.78 L	₹5.21 L	₹5.90 L	₹32.26 L	₹20.96 L	₹39.09 L	₹53.22 L
38	₹17.73 L	₹6.19 L	₹5.21 L	₹6.34 L	₹43.05 L	₹25.22 L	₹37.13 L	₹68.27 L
39	₹18.62 L	₹6.62 L	₹5.21 L	₹6.79 L	₹55.69 L	₹29.96 L	₹35.00 L	₹85.65 L
40	₹19.55 L	₹7.08 L	₹5.21 L	₹7.26 L	₹70.43 L	₹35.25 L	₹32.68 L	₹1.06 Cr
41	₹20.52 L	₹7.58 L	₹5.21 L	₹7.74 L	₹87.54 L	₹41.12 L	₹30.15 L	₹1.29 Cr
42	₹21.55 L	₹8.11 L	₹5.21 L	₹8.24 L	₹1.07 Cr	₹47.65 L	₹27.40 L	₹1.55 Cr
43	₹22.63 L	₹8.68 L	₹5.21 L	₹8.75 L	₹1.30 Cr	₹54.88 L	₹24.41 L	₹1.85 Cr
44	₹23.76 L	₹9.28 L	₹5.21 L	₹9.27 L	₹1.57 Cr	₹62.89 L	₹21.15 L	₹2.19 Cr
45	₹24.95 L	₹9.93 L	₹5.21 L	₹9.81 L	₹1.87 Cr	₹71.75 L	₹17.60 L	₹2.58 Cr
46	₹26.19 L	₹10.63 L	₹5.21 L	₹10.36 L	₹2.21 Cr	₹81.54 L	₹13.75 L	₹3.03 Cr
47	₹27.50 L	₹11.37 L	₹5.21 L	₹10.93 L	₹2.61 Cr	₹92.35 L	₹9.55 L	₹3.53 Cr
48	₹28.88 L	₹12.17 L	₹5.21 L	₹11.50 L	₹3.06 Cr	₹1.04 Cr	₹4.98 L	₹4.11 Cr
49	₹30.32 L	₹13.02 L	₹5.21 L	₹12.10 L	₹3.58 Cr	₹1.17 Cr	₹101	₹4.75 Cr
50	₹31.84 L	₹13.93 L	₹102	₹17.91 L	₹4.22 Cr	₹1.32 Cr	₹0	₹5.54 Cr
51	₹33.43 L	₹14.91 L	₹0	₹18.53 L	₹4.95 Cr	₹1.48 Cr	₹0	₹6.43 Cr
52	₹35.10 L	₹15.95 L	₹0	₹19.15 L	₹5.78 Cr	₹1.65 Cr	₹0	₹7.44 Cr
53	₹36.86 L	₹17.07 L	₹0	₹19.79 L	₹6.73 Cr	₹1.85 Cr	₹0	₹8.57 Cr
54	₹38.70 L	₹18.26 L	₹0	₹20.44 L	₹7.80 Cr	₹2.06 Cr	₹0	₹9.85 Cr
55	₹0	₹19.54 L	₹0	₹0	₹9.73 Cr	₹0	₹0	₹9.73 Cr
56	₹0	₹20.91 L	₹0	₹0	₹10.32 Cr	₹0	₹0	₹10.32 Cr
57	₹0	₹22.37 L	₹0	₹0	₹10.95 Cr	₹0	₹0	₹10.95 Cr
58	₹0	₹23.94 L	₹0	₹0	₹11.62 Cr	₹0	₹0	₹11.62 Cr
59	₹0	₹25.61 L	₹0	₹0	₹12.32 Cr	₹0	₹0	₹12.32 Cr
60	₹0	₹27.40 L	₹0	₹0	₹13.07 Cr	₹0	₹0	₹13.07 Cr
61	₹0	₹29.32 L	₹0	₹0	₹13.85 Cr	₹0	₹0	₹13.85 Cr
62	₹0	₹31.37 L	₹0	₹0	₹14.68 Cr	₹0	₹0	₹14.68 Cr
63	₹0	₹33.57 L	₹0	₹0	₹15.56 Cr	₹0	₹0	₹15.56 Cr
64	₹0	₹35.92 L	₹0	₹0	₹16.48 Cr	₹0	₹0	₹16.48 Cr
65	₹0	₹38.44 L	₹0	₹0	₹17.45 Cr	₹0	₹0	₹17.45 Cr
66	₹0	₹41.13 L	₹0	₹0	₹18.48 Cr	₹0	₹0	₹18.48 Cr
67	₹0	₹44.01 L	₹0	₹0	₹19.56 Cr	₹0	₹0	₹19.56 Cr
68	₹0	₹47.09 L	₹0	₹0	₹20.70 Cr	₹0	₹0	₹20.70 Cr
69	₹0	₹50.38 L	₹0	₹0	₹21.89 Cr	₹0	₹0	₹21.89 Cr
70	₹0	₹53.91 L	₹0	₹0	₹23.16 Cr	₹0	₹0	₹23.16 Cr
71	₹0	₹57.68 L	₹0	₹0	₹24.48 Cr	₹0	₹0	₹24.48 Cr
72	₹0	₹61.72 L	₹0	₹0	₹25.88 Cr	₹0	₹0	₹25.88 Cr
73	₹0	₹66.04 L	₹0	₹0	₹27.34 Cr	₹0	₹0	₹27.34 Cr
74	₹0	₹70.66 L	₹0	₹0	₹28.88 Cr	₹0	₹0	₹28.88 Cr
75	₹0	₹75.61 L	₹0	₹0	₹30.49 Cr	₹0	₹0	₹30.49 Cr
76	₹0	₹80.90 L	₹0	₹0	₹32.18 Cr	₹0	₹0	₹32.18 Cr
77	₹0	₹86.56 L	₹0	₹0	₹33.96 Cr	₹0	₹0	₹33.96 Cr
78	₹0	₹92.62 L	₹0	₹0	₹35.82 Cr	₹0	₹0	₹35.82 Cr
79	₹0	₹99.11 L	₹0	₹0	₹37.76 Cr	₹0	₹0	₹37.76 Cr

Yearly snapshot showing income, contributions, individual asset balances, and total consolidated corpus.

💡 Worth knowing (not in this plan)

· PPF & Sukanya Samriddhi: Long-term, tax-free government savings at ~7–8% returns. Add them in the "Existing assets" section so this plan includes them.
· Health costs in retirement: Medical bills and insurance premiums typically 3–4× higher after age 60. Add an extra ₹15,000–30,000/month to your retirement expense estimate.
· Term life insurance: If your family depends on your income, a cover of 10–15× your annual salary is a common starting point. Include the yearly premium in your expense breakdown.
· Sovereign Gold Bonds (SGB): You earn 2.5% interest per year plus gold price gains, and there's no tax when you hold to maturity. Many people keep 5–10% of their savings in gold.
· Emergency fund: Keep 6–12 months of expenses in a savings account or FD — separate from your retirement savings — for unexpected costs.
· Your salary here is take-home pay: Tax is already deducted before you receive it. No need to deduct it again.

This is an estimate based on what you've entered — not financial advice. Real returns, interest rates, and tax rules change over time. Assumes 12.5% tax on mutual fund profits above ₹1.25L/year (Budget 2024), EPF pension formula with ₹15,000 wage cap, and 6% NPS annuity return. Talk to a SEBI-registered advisor before making major financial decisions.