Financial Planning Calculator

Financial Planning Calculator

Quantify your three major life goals — Retirement · Child’s Future · Home Ownership

Rate Assumptions  Editable

These rates drive all calculations. Adjust them to match your expected scenario.

%
General price rise per year. Used to project future costs of education, home & lifestyle.
%
Expected annual return on your mutual fund / equity SIPs. Historical long-term average ~12%.
%
Return on your EPF / provident fund corpus. RBI/EPFO declared rate is typically 8–8.5%.
%
Annual appreciation of property prices. Used to project the future cost of your new home.
1

Retirement Planning

Goal A
Your age today in completed years.
The age at which you plan to stop working.
How long your retirement corpus needs to last. A conservative assumption is age 85–90.
₹
Your current take-home monthly salary after taxes.
₹
Total household expenses per month today.
%
% by which expenses drop after retirement (e.g., no commute, lower clothing costs). 30% is a common estimate.
₹
Total corpus already accumulated in EPF / PPF / NPS today.
₹
Your own monthly contribution to EPF/PF (employee side only).
2

Child’s Future Planning

Goal B
Your child’s current age. Higher education is assumed at age 18, marriage at age 25.
₹
Cost of your child’s higher education in today’s rupees. Calculator inflates this to the target year.
₹
Cost of your child’s wedding in today’s rupees. Calculator inflates this to the target year.
3

Home Ownership

Goal C
Type Yes if you own a property you can sell towards your new home purchase.
₹
Current market value of your existing home (₹0 if first-time buyer).
How many years from now you plan to buy your new home.
₹
Present market value of the home you wish to buy. The calculator will project its future price.
%
The % of the future home cost you plan to pay yourself. Banks typically require 15–25%.
Your Financial Snapshot

Current Monthly Savings

₹0

Total Monthly Investment Required

₹0

Monthly Surplus / Gap

₹0

Savings Coverage

How much of your required investment is already covered by current savings.

On Track
0% 0% covered 100%

Retirement

Corpus Required ₹0
EPF at Retirement ₹0
Extra Corpus Needed ₹0
Monthly SIP Required ₹0

Child’s Future

Education Corpus (FV) ₹0
Marriage Corpus (FV) ₹0
SIP for Education ₹0
SIP for Marriage ₹0

Home Ownership

Future Home Cost ₹0
Old Home Proceeds ₹0
Self Contribution ₹0
Monthly SIP Required ₹0

Investment Allocation & Goal Corpus Overview

Left: monthly SIP split across goals. Right: total corpus target for each goal.

Retirement Child Home
Metric Value Remarks