Calculator 6 Goals & Lifestyle

Monthly Budget Calculator A monthly budget calculator is the foundation of all personal financial planning. This tool categorises income and expenses into needs, wants, and savings/investments using the 50/30/20 rule as a benchmark, shows where the user stands versus the ideal allocation, and surfaces specific areas of overspending. It is the most behaviourally actionable calculator on the platform. Income Sources Salary / Take-home Pay ₹ ₹0₹10 L Bonus / Variable Income ₹ ₹0₹5 L Freelance / Side Income ₹ ₹0₹5 L Interest / Dividend Income ₹ ₹0₹2 L Any Other Income ₹ ₹0₹2 L Expenses Housing / Rent ₹ ₹0₹5 L Food ₹ ₹0₹1 L Transport ₹ ₹0₹1 L Insurance / EMIs ₹ ₹0₹3 L Utilities ₹ ₹0₹50 K Personal / Lifestyle ₹ ₹0₹2 L Travel ₹ ₹0₹2 L Learning / Education ₹ ₹0₹1 L Entertainment ₹ ₹0₹1 L Debt Repayment ₹ ₹0₹3 L Other Expenses ₹ ₹0₹2 L Monthly Surplus : ₹0 Savings Rate 0% Total Monthly Income₹0 Total Monthly Expenses₹0 Monthly Surplus / Deficit₹0 Savings Rate0% Needs Ratio0% Wants Ratio0% Budget Score0 / 100 Largest Expense–

Net Worth Calculator Net worth is the single most important number in personal finance: Total Assets minus Total Liabilities. It is the starting point for any financial health assessment. This calculator provides a structured, categorised input form to capture all assets and liabilities, computes net worth, and benchmarks it against age-based rules of thumb. Assets Liquid Assets ₹ ₹0₹5 Cr Investment Assets ₹ ₹0₹10 Cr Real Estate ₹ ₹0₹20 Cr Retirement Assets ₹ ₹0₹5 Cr Other Assets ₹ ₹0₹5 Cr Liabilities Secured Loans ₹ ₹0₹20 Cr Personal Loans ₹ ₹0₹1 Cr Credit Card Liabilities ₹ ₹0₹50 L Other Liabilities ₹ ₹0₹1 Cr Personal Information Age Y 18 Y80 Y Annual Income ₹ ₹0₹1 Cr Net Worth : ₹0 Total Net Worth ₹0 Total Assets₹0 Total Liabilities₹0 Net Worth₹0 Debt-to-Asset Ratio0% Debt-to-Income Ratio0x Liquid Assets Ratio0% Investment-to-Net-Worth0% Age Benchmark₹0

Lifestyle Inflation Calculator Lifestyle inflation (also called ‘lifestyle creep’) occurs when spending increases proportionally with income — leaving the savings rate stagnant or falling, despite rising income. This calculator projects future savings and wealth under two scenarios: current spending growth rate vs. a disciplined, lower spending growth rate. The gap between the two scenarios is the cost of lifestyle inflation. Current Monthly Income ₹ ₹10 K₹10 L Current Monthly Expenses ₹ ₹5 K₹8 L Income Growth Rate % 0%25% Lifestyle Inflation Rate % 0%25% Investment Return % 1%30% Projection Years Y 1 Y50 Y Wealth Lost : ₹0 Opportunity Cost ₹0 Final Monthly Income₹0 Final Monthly Expenses₹0 Initial Monthly Saving₹0 Final Monthly Saving₹0 Total Extra Spending₹0 Potential Wealth Lost₹0 Status–

Rent vs. Buy Calculator The rent vs. buy decision is one of the most consequential financial choices. Buying appears to build equity, but involves large upfront costs, interest, maintenance, and opportunity cost of capital. Renting preserves liquidity but offers no equity. This calculator computes the total 20-year cost of each option and compares final net wealth positions, accounting for property appreciation and investment returns on freed-up capital. Property Price ₹ ₹10 L₹10 Cr Down Payment % 10%50% Home Loan Interest Rate % 6%14% Loan Tenure Y 5 Y30 Y Stamp Duty & Registration % 1%8% Annual Rent ₹ ₹2 L₹25 L Property Appreciation % 2%15% Rent Inflation % 2%15% Annual Maintenance Cost ₹ ₹10 K₹2 L Maintenance Inflation % 2%15% Property Tax & Insurance ₹ ₹10 K₹3 L Investment Return If Renting % 5%15% Recommended : – Net Advantage ₹0 Monthly EMI₹0 Total Cost of Buying₹0 Property Value at End₹0 Net Cost of Owning₹0 Total Rent Paid₹0 Renting Investment Corpus₹0 Net Cost of Renting₹0 Recommendation–

Emergency Fund Calculator An emergency fund is a liquid financial buffer for unforeseen events — job loss, medical emergency, urgent home repairs. This calculator determines the recommended size based on monthly expenses, income stability, number of dependents, and outstanding liabilities. It is primarily a heuristic tool, not a formula-based one — but the heuristics must be well-calibrated. Monthly Essential Expenses ₹ ₹5 K₹5 L Monthly Non-Essential Expenses ₹ ₹0₹3 L Employment Type SalariedContractSelf-employedFreelancer Number of Earners 010 Any Existing Medical Condition? NoYes Existing Emergency Savings ₹ ₹0₹50 L Target Timeframe M 1 M24 M Emergency Fund : ₹0 Monthly Saving Needed ₹0 Monthly Obligation₹0 Recommended Months0 Months Emergency Fund Target₹0 Existing Savings₹0 Current Coverage 0 Months Savings Gap₹0 Monthly Saving Required₹0 Status–

Child’s Education Cost Calculator Education costs in India have been inflating at 8–12% annually, far above general CPI. This calculator helps parents project the future cost of their child’s education — school, undergraduate, and postgraduate — and determines the monthly SIP required to accumulate that corpus by the time it is needed. Child’s Current Age Y 0 Y17 Y Education Type SchoolUndergraduatePostgraduateAll Education Current Annual Cost ₹ ₹50 K₹10 L Education Inflation Rate % 0%15% Course Duration Y 1 Y20 Y Existing Education Corpus ₹ ₹0₹1 Cr Expected Investment Return % 0%15% Existing Monthly Investment ₹ ₹0₹1 L Monthly SIP Needed : ₹0 Total Corpus Needed ₹0 Years Until Education Starts0 Years First Year Inflated Cost₹0 Total Future Education Cost₹0 Future Value of Existing Corpus₹0 Future Value of Existing SIP₹0 Corpus Gap₹0 Required Monthly SIP₹0