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Tools to Think Through Your Money.
Run the numbers, understand your investor profile and check your financial health. Everything runs in your browser — nothing you enter is stored or sent.
Calculators
SIP, lumpsum, retirement, goal planning, loan, inflation and emergency fund. Adjust the sliders or type exact values.
Investor Quiz
Six questions on experience, time horizon, risk comfort and goals — and an indicative profile at the end.
Financial Health Check
Answer seven quick questions on emergency fund, debt, insurance, investments, retirement, savings and goals.
This health check is an educational tool and not a substitute for personalised professional advice. Scores are indicative and based only on your answers.
Choosing sensible assumptions
Calculator results are only as good as the assumptions behind them. These are reasonable starting points for illustration, not predictions.
| Assumption | Range often used for illustration | Why it matters |
|---|---|---|
| General inflation | 5% to 6% | Raises the future cost of everyday expenses |
| Education inflation | 8% to 10% | Education costs have historically risen faster than general prices |
| Equity returns (long term) | 10% to 12% | Can vary widely; individual years may be negative |
| Debt returns | 6% to 7.5% | Lower and steadier than equity |
| Post-retirement returns | 7% to 8% | Usually lower, as portfolios hold more debt in retirement |
These are illustrative assumptions, not guaranteed or expected returns. Past performance does not guarantee future results. Try a lower return to see a conservative scenario.
Frequently asked questions
Are the calculator results accurate?
They are mathematically correct for the inputs you choose, but real investments don't grow at a fixed rate. Treat results as a guide for planning, not a promise.
Is my data saved?
No. Everything is calculated in your browser. Nothing you enter is stored or sent to us.
What should I do with my results?
Use them to understand the scale of your goals. If the numbers feel daunting or unclear, a consultation can turn them into a practical plan.
Why is my retirement number so large?
Inflation over decades significantly raises future expenses, and retirement can last 25 years or more. Starting early and stepping up investments make a big difference.
Ready to take the next step?
Let's talk about your financial goals.