Plan your money
Replace the sample numbers with your own — everything updates as you type. Your inputs save to this browser only, so they'll be here next time you visit.
- +₹1.00 LIn-hand salary
- −₹30,000Living expenses
- −₹43,391Home Loan EMI8.5% p.a.
- −₹21,000Car Loan EMI9.5% p.a.
What actually hits your bank account — post-tax, post-EPF deductions
Typically 30–50% of your CTC. This grows 5% each year with your salary hike.
Govt limit is ₹15,000/mo. Leave as-is unless your company has a special arrangement.
Total number of years you'll have worked in EPF-covered jobs by the time you retire.
No extra income streams. Common examples: rental income from a flat, freelance/consulting, spouse's salary, monthly interest from FDs.
Add any savings or investments you already hold — equity, gold, PPF, real estate, FDs.
Add lump-sum life events. These are big future expenses that will deplete your corpus at a specific age — the planner accounts for them.
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.
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.
💼 What you'll have at retirement
Tax applied on gains📖 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 beginsAug 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 offAug 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 offAug 2046 · age 50.0
Freed-up ₹43,391/mo now flows into your SIP. Interest paid on this loan: ₹54,13,942.
- ↗Fully debt-freeAug 2046 · age 50.0
All loans are paid off ahead of retirement.
- ★Retirement (age 55)Aug 2051 · age 55.0
Corpus of ₹9,21,04,193 in place. All loans already paid off.
- ★Passive income kicks inAug 2051 · age 55.0
Every month you get EPS pension ₹5,357 = about ₹5,357/mo without touching your corpus.
- 🏖️Living in retirementSep 2051 · age 55
Monthly picture
Total spend₹1.63 Lper monthPension / income₹5,357auto-coveredFrom savings₹1.57 Lfrom ₹₹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 ₹
📈 How your money grows over time
Future ₹ (not adjusted for inflation)🏦 When your loans will be paid off
| Loan | Closes in | Interest paid |
|---|---|---|
| Car Loan | Aug 2031(month 61) | ₹2.60 L |
| Home Loan | Aug 2046(month 241) | ₹54.14 L |
🗂️ Detailed yearly breakdown
💡 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.