Honest math for your money decisions.
Free calculators that show their working. Nothing to sign up for, nothing leaves your browser, and every scenario is a link you can send to someone.
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Investing
Monthly investingSIPSee what a fixed monthly amount grows into.Step-up SIPRaise what you invest each year and see the difference.Lumpsum vs SIPSame money: invest it all at once, or spread it out?Cost of delayWhat starting your SIP a few years late really costs.Goal-based SIPName the amount and the date. Get the monthly SIP.CAGR and XIRRYour real yearly return, even with irregular investments.
Withdrawal and retirement
SWP · systematic withdrawalsTake a fixed amount each month. See how long it lasts.SWP vs inflationRaise withdrawals with prices. Find the year it runs out.Safe withdrawal rateThe most you can take each month without ever running out.FIREHow much you need to stop working, and when you'd get there.FIRE savings plannerPick the age you want to stop. See how much to save each month.Bucket strategyCash, debt and equity buckets, with rules for refilling them.Monte Carlo SWPThousands of bumpy markets. Your chance the money lasts.
Loans and property
Loan / EMIYour monthly payment, total interest and payoff date.Prepayment plannerCut the tenure or cut the EMI? The interest saved by each.Mortgage vs SWPPay the home loan off early, or invest and withdraw?Rent vs buyYour wealth after renting and investing, against owning.Loan vs investPut a bonus toward the loan, or into a SIP?Balance transferIs moving your loan to a cheaper bank worth the fees?
Tax and take-home pay
Government schemes and retirement accounts
Life goals and insurance
Child educationToday’s fees at education inflation, and the SIP to fund them.Emergency fundHow many months of expenses to keep, and how to build it.Term insurance coverHow much life cover your family needs: two methods.Net worth and rebalancingAdd up what you own and owe. See the trades to rebalance.Plan return checkerTurn a “guaranteed income” offer into one honest yearly return.
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