Financial Calculators
Quick, illustrative calculators and self-assessment checklists to see where you stand today. These give you a starting picture — a full plan goes much deeper, tailored to your actual goals and risk profile.
Cash Flow Calculator
Type in your own monthly numbers — as detailed or as rough as you like — to see your savings rate and where your money is going.
Illustrative only. A real cash flow assessment also accounts for irregular expenses, bonuses, and upcoming life events — this is covered as part of a full financial plan.
Real Return Calculator
A 7% fixed deposit rarely means 7% in your pocket. Set your tax bracket and inflation assumption once, then compare pre-tax, post-tax, and inflation-adjusted real returns across every asset class — side by side.
Slab rate drives every row tagged "Slab rate" below. Excludes surcharge & cess — adjust the tax-bracket slider manually if that applies to you.
| Asset class | Pre-tax | Tax treatment | Eff. tax | Post-tax | Real return |
|---|
Illustrative only, not tax or investment advice. "Effective tax" rates are simplified — equity and gold/international-fund LTCG figures ignore holding-period thresholds and the ₹1.25 lakh equity LTCG exemption; debt mutual funds are taxed at slab rate regardless of holding period under current rules; PPF/EPF assume maturity conditions are met. Surcharge and cess are excluded from the slab-rate calculation. Tax laws change — verify current rates before relying on these figures. Real return = (1 + post-tax return) ÷ (1 + inflation) − 1, per the Fisher equation.
Cost of Waiting Calculator
Same monthly amount, same expected return — the only thing that changes is when you start. See what a few years of "I'll begin later" actually costs you by the time you reach your goal.
Illustrative only — both scenarios use the same monthly amount and the same expected return, and reach the same goal year. The only variable is when you start. Actual returns are market-linked and not guaranteed.
Financial Wellness Checklist
Twenty checks across the areas a Holistic Financial Plan actually covers — cash flow, protection, goals, risk, tax and debt. Work through it honestly — the goal isn't a perfect score, it's knowing exactly where the gaps are.
Let's find out where you stand.
Check off items above as you go — your readiness summary updates here as you work through the list.
Get your personalised summary
Download PDF with your checked items, your score, and what to focus on next.
You're all set.
Your personalised PDF should download automatically.
Retirement Readiness Checklist
Twenty checks across the areas that decide whether a retirement plan actually holds up. Work through it honestly — the goal isn't a perfect score, it's knowing exactly where the gaps are.
Let's find out where you stand.
Check off items above as you go — your readiness summary updates here as you work through the list.
Get your personalised summary
Download PDF with your checked items, your score, and what to focus on next.
You're all set.
Your personalised PDF should download automatically.