Wealth Planning Calculator

Why plan wealth instead of just investments?

An investment calculator answers "how big will this SIP get?" A wealth planner answers a harder, more useful question: will my whole financial life — savings, growth, and goals — actually fit together? This tool projects your net worth year by year from your current position, monthly savings, expected returns, and salary growth, then overlays your life goals on that trajectory so you can see whether the money arrives before the goal does.

The output that matters most isn't the final corpus — it's the shape of the curve against your goal markers. A goal that lands on the steep late section of the compounding curve is cheap to fund; the same goal five years earlier can be brutally expensive.

How the projection works

Each year, the engine grows your existing net worth by your expected return, adds twelve months of savings (growing annually with your salary increase rate), and subtracts any goals that fall due that year. Returns are blended from your asset allocation — equity, bonds, cash, real estate, and gold each carry different growth assumptions, so a 60/30/10 portfolio behaves differently from an 80/10/10 one. Risk tolerance presets adjust these blends, but you can set allocation directly.

Salary growth is the quiet hero of most plans. Savings of ₹20,000/month growing 5% annually contribute nearly 30% more over 20 years than flat savings — the model captures this, which is why its numbers often beat naive SIP math.

Asset allocation: the decision that dominates returns

Long-run studies consistently find that allocation — the equity/debt/cash split — explains far more of a portfolio's outcome than fund selection or market timing. Equity has historically delivered 10–12% in India over long periods but with deep drawdowns; debt delivers 6–7% smoothly; cash loses to inflation. The classic guide of "100 minus your age in equity" is a starting point, not a law: a 30-year-old saving for a 25-year horizon can justify 70–80% equity, while the same person saving for a house in 4 years should hold that money mostly in debt regardless of age.

Use the scenario panel to test allocations against the same goals. The right question isn't "which allocation grows fastest?" but "which is the most conservative allocation that still funds every goal on time?"

The order of operations that makes plans stick

A wealth plan built in the wrong sequence fails even with perfect math. The sequence that works, in order: first, an emergency fund of 3–6 months of expenses — outside this projection, untouchable. Second, insurance — adequate health cover and, if anyone depends on your income, term life; one uninsured event can erase a decade of disciplined saving. Third, high-interest debt — anything above ~10% gets cleared before serious investing, because no realistic portfolio reliably beats a credit card's interest rate. Only then does the projection on this page become the main event: goal-based investing on a growing income. Skipping steps doesn't speed up wealth; it just means the plan restarts from a crater after the first emergency, claim, or debt spiral. If you're mid-sequence today, that's normal — enter your real current numbers and let the plan reflect where you are, not where the textbook starts.

Common wealth-planning mistakes

• Planning goals in today's prices. A ₹25 lakh education goal 15 years out will cost ₹60 lakh+ at 6% education inflation. Inflate every goal to its due date before entering it.
• Ignoring the sequence of goals. Two affordable goals can be jointly unaffordable if they land in adjacent years. The year-by-year view exposes these collisions.
• Counting one rupee twice. Money earmarked for the emergency fund isn't available for goals — keep it outside this projection.
• Set-and-forget. A wealth plan is a live document. Re-run it after every major raise, market swing, or life event; small course corrections early replace painful ones later.

Reading the projection like a planner would

Three checks turn the output chart into decisions. The gap check: for each goal marker, is the curve above it with at least 10–15% margin? A goal the curve barely clears is a goal that fails in the first below-average market year. The slope check: if your net worth curve is still nearly linear after 10 years, contributions are doing all the work — usually a sign the allocation is too conservative for the horizon. In a healthy long-term plan, investment growth overtakes annual savings as the bigger contributor somewhere between years 8 and 12. The stress check: re-run the plan at 2–3% lower returns. If every goal still funds, your plan is robust; if retirement collapses, you've found tomorrow's problem while it's still cheap to fix today.

Rebalancing is the maintenance schedule: once a year, sell what's grown beyond its target share and top up what's lagged. It feels wrong — trimming winners — but it's the mechanism that forces buy-low, sell-high and keeps your risk level at what you actually chose, rather than what the market drifted you into. An 80/20 equity/debt portfolio left untouched through a bull run can quietly become 92/8 right before the correction.

Where this fits in your toolkit

Think of this as the master map, with the other calculators as street views: the SIP calculator details the monthly-investing engine, the retirement planner stress-tests the longest goal, the SWP calculator handles the withdrawal phase after retirement, and the emergency fund calculator sizes the safety buffer that sits outside the plan entirely. Start here, then zoom into whichever piece looks fragile.