Wealth-Tech Suite
Power your decisions with data-driven insights. Calculate your wealth potential and discover tax-efficient strategies.
Advanced compounding with step-up logic, inflation adjustment, and cost of delay analysis.
Inflation Adjusted
Show today's purchasing power (subtract 6%)
Increase your monthly investment every year to beat inflation.
In 15 years, your total wealth will grow to ₹1.57 Cr.
Delaying by 1 year will cost you
₹12.5 L
in final wealth. Start today!
70%
Gains
Invested
₹45 L
Wealth Gained
₹1.12 Cr
Total Value
₹1.57 Cr
SIP vs Fixed Deposit (6%)
By choosing SIP over FD, you are creating an additional
₹45 L
in wealth over the same time period.
Real Purchasing Power
While your bank balance will show ₹5.55 Cr,
its purchasing power in today's terms will be ₹2.18 Cr.
Calculated at an estimated average inflation of 6-7% p.a.
Compare the estimated post-tax return of a fixed deposit with an arbitrage (equity-oriented) fund. An illustration, not tax advice.
Enter valid, non-negative numbers (returns up to 100%) to see the estimate.
Returns are illustrative assumptions, not guaranteed or current market quotes. The other-LTCG amount uses up part of the shared ₹1.25 lakh annual threshold.
~6.5% p.a. (pre-tax, illustrative)
⚠️ After 6% Inflation, your real return on this FD is -1.53%
~6.8% p.a. (illustrative)
Estimated tax on ₹10 Lakhs: tax difference (FD minus arbitrage) ₹20,280; post-tax return difference +52.1%.
Illustration only; not tax advice or a calculation of your actual tax liability. The arbitrage estimate assumes the fund qualifies as an equity-oriented fund under the Income Tax rules and that required conditions, including securities transaction tax where applicable, are met. For transfers on or after 23 July 2024 it applies: short-term gains at 20%, long-term gains at 12.5% on the amount above the ₹1.25 lakh annual threshold, which is shared across all of your eligible long-term gains in the financial year, plus 4% health and education cess. FD interest is estimated at the slab rate you pick plus cess, which is a simplification. Surcharge, loss set-off, your total income and other individual factors are not included. Debt-oriented mutual funds are taxed differently and are not covered here.
Calculate how much you need to save today for a comfortable retirement.
Required Retirement Corpus
₹14.89 Cr
Adjusted for 6% inflation, your ₹1,00,000 monthly need will become ₹5.74 L by the time you retire.
Years to Retire
30 Years
Monthly SIP Needed
₹42,183
Enter a valid, non-negative amount.
Gap Analysis
Current projected savings vs. Needed Corpus: ₹14.89 Cr shortfall
Enter existing retirement savings to see how much of the corpus they cover.
*Illustration only: assumes 12% pre-retirement and 7% post-retirement returns, and 6% inflation both until retirement and throughout retirement (expenses keep rising each year). Existing savings are assumed to grow at the pre-retirement return. Not financial advice.
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