Inflation-adjusted reality
₹5Cr in 20 years is actually worth about ₹1.5Cr in today's money. Every projection shows both, so you never mistake the headline number for real purchasing power.
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SIP, PPF, NPS, FD and loan calculators that show inflation-adjusted reality, not just a big number. Every input lives in the URL, so any plan is one bookmark away.
No account, ever·No tracking by default·Free, the whole thing
One honest view of every rupee.
Eight calculators, one idea: show the real number, not just the flattering one. Scroll through, or step through one at a time.
01Market-linked~12% p.a.
Start from the goal, not the guess.
Name the number you want and the year you want it. We solve for the monthly cheque that gets you there, salary hikes and inflation included.
Goal-Based SIP Planner
/goal-sip?amt=10000000&yrs=15₹19.8Kper month
- Target corpus
- ₹1.00Cr
- Time horizon
- 15 yrs
- In today's money
- ₹41.73L
Invest about ₹19.8K a month at 12% to reach ₹1.00Cr in 15 years.
02Market-linked~12% p.a.
Small, monthly, relentless.
Watch a steady SIP snowball over the years, then see what it is actually worth once inflation takes its cut.
Systematic Investment Plan
/sip?amt=5000&yrs=10₹11.62Lprojected
- Invested
- ₹6.00L
- Wealth gained
- ₹5.62L
- In today's money
- ₹6.49L
₹5.0K a month at 12% compounds to ₹11.62L in 10 years.
03Guaranteed7.1% p.a.
The quiet, tax-free compounder.
Fifteen years at a sovereign rate with every rupee tax-free at maturity. Boring, in the best possible way.
Public Provident Fund
/ppf?amt=50000&yrs=15₹13.56Lprojected
- Invested
- ₹7.50L
- Wealth gained
- ₹6.06L
- In today's money
- ₹5.66L
₹50.0K a year at 7.1% compounds to ₹13.56L in 15 years.
04Retirement~10% p.a.
Retirement, mostly on autopilot.
Blend equity and debt into a pension corpus and read it in today's money, not a number that only flatters the brochure.
National Pension System
/nps?amt=5000&yrs=25₹66.89Lprojected
- Invested
- ₹15.00L
- Wealth gained
- ₹51.89L
- In today's money
- ₹15.59L
₹5.0K a month at 10% compounds to ₹66.89L in 25 years.
05Guaranteed6.5% p.a.
A fixed habit, a fixed return.
Lock a monthly deposit at the bank's rate and watch it mature, with none of the market's mood swings.
Recurring Deposit
/rd?amt=5000&yrs=5₹3.55Lprojected
- Invested
- ₹3.00L
- Wealth gained
- ₹55.3K
- In today's money
- ₹2.65L
₹5.0K a month at 6.5% compounds to ₹3.55L in 5 years.
06Guaranteed7.0% p.a.
Park a lump sum. Know the maturity.
Quarterly compounding across tenures, laid out side by side so you can pick the term that actually pays.
Fixed Deposit
/fd?amt=100000&yrs=5₹1.41Lprojected
- Invested
- ₹1.00L
- Wealth gained
- ₹41.5K
- In today's money
- ₹1.06L
₹1.00L invested once at 7% compounds to ₹1.41L in 5 years.
07Retirement~10% p.a.
Make the corpus pay you.
Draw a monthly income from what you have saved and see exactly how many years it keeps flowing.
Systematic Withdrawal Plan
/swp?amt=5000000&yrs=2020+years of income
- Starting corpus
- ₹50.00L
- Monthly withdrawal
- ₹25.0K
- Balance after 20y
- ₹74.47L
Draw ₹25.0K a month from ₹50.00L and compounding keeps the income running for years.
08Borrowing8-14% p.a.
Know the EMI before the bank does.
The instalment, the total interest, and how a little prepayment quietly shaves years off the loan.
Loan EMI Calculator
/emi?amt=3000000&yrs=20₹26.0Kper month
- Loan amount
- ₹30.00L
- Total interest
- ₹32.48L
- Total payable
- ₹62.48L
A ₹30.00L loan at 8.5% over 20 years works out to ₹26.0K a month.
09Salary & taxFY 2025-26
From CTC to what actually lands.
Turn the offer letter into real take-home, compare the Old vs New regime, and stop guessing at deductions.
Salary & tax
/pay?ctc=1800000₹1.18Lin hand / mo
- Annual CTC
- ₹18.0L
- Take-home / yr
- ₹14.2L
- Better regime
- New
Turn an ₹18L CTC into real monthly take-home and see which tax regime keeps more of it.
Things other calculators skip
Inflation, delay cost, and purchasing power context - not just a big projected number.
Cost of delay
Waiting a year to start costs more than you think. The widget shows exactly what you give up by putting things off one, three, or five years.
What-if heatmap
Best, average, and worst outcomes laid out side by side. See your range without dragging sliders back and forth.
Shareable URLs
Every input lives in the URL. Save a scenario, send it on WhatsApp, come back to it months later exactly as you left it.
One-click PDF
A clean wealth summary generated entirely on your device. No data leaves your browser.
No server, no sign-up, no data trail
Every calculation runs locally. Your numbers stay encoded in the URL or in your browser's local storage. Clear it anytime and it's gone - from everywhere.
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