Wealth tools

Private planning calculators

A private planning suite with richer context on each tool. Adjust assumptions, review the breakdown, then discuss the scenario with your advisor.

Planning suite

MF & SIP

Loans

Savings & Tax

SIP Returns

Project how regular monthly investing can grow at an assumed market return.

Monthly SIP (Rs)

Expected return % p.a.

Years

Inflation % p.a.

Estimated result

Invested / principal-

Est. growth / interest-

Projected total-

Advisor noteUseful for medium- to long-term goals. Markets can swing year to year - treat this as education, not a promise.

Discuss this scenario

Private illustration for education. Not financial advice, not a guarantee of returns, claims or loan approval.

Step-up SIP

Model a SIP that rises each year - useful when income is expected to grow.

Starting SIP (Rs)

Expected return % p.a.

Years

Annual step-up %

Inflation % p.a.

Estimated result

Invested / principal-

Est. growth / interest-

Projected total-

Advisor noteStep-ups can materially lift corpus. Keep increases realistic versus take-home pay.

Discuss this scenario

Private illustration for education. Not financial advice, not a guarantee of returns, claims or loan approval.

Lumpsum

See the illustrative future value of a one-time investment.

Amount (Rs)

Expected return % p.a.

Years

Inflation % p.a.

Estimated result

Invested / principal-

Est. growth / interest-

Projected total-

Advisor noteTiming risk is higher than SIP. Pair with an emergency buffer before deploying large amounts.

Discuss this scenario

Private illustration for education. Not financial advice, not a guarantee of returns, claims or loan approval.

SWP

Estimate remaining corpus while withdrawing a fixed amount every month.

Investment corpus (Rs)

Monthly withdrawal (Rs)

Expected return % p.a.

Tenure (years)

Inflation % p.a.

Estimated result

Invested / principal-

Est. growth / interest-

Projected total-

Advisor noteHigh withdrawals relative to corpus can deplete capital early. Stress-test a lower withdrawal too.

Discuss this scenario

Private illustration for education. Not financial advice, not a guarantee of returns, claims or loan approval.

Goal Planning

Back-calculate the monthly SIP needed to chase a named goal amount.

Goal amount (Rs)

Expected return % p.a.

Years to goal

Inflation % p.a.

Estimated result

Invested / principal-

Est. growth / interest-

Projected total-

Advisor noteInflate the goal amount for education or property before you lock the SIP figure.

Discuss this scenario

Private illustration for education. Not financial advice, not a guarantee of returns, claims or loan approval.

Home Loan EMI

Estimate EMI, total interest and payable for a home loan tenure.

Loan amount (Rs)

Interest % p.a.

Tenure (years)

Estimated result

Invested / principal-

Est. growth / interest-

Projected total-

Advisor noteFinal EMI depends on lender policies, fees and floating-rate resets.

Discuss this scenario

Private illustration for education. Not financial advice, not a guarantee of returns, claims or loan approval.

Car Loan EMI

Quick EMI view for vehicle finance with typical shorter tenures.

Loan amount (Rs)

Interest % p.a.

Tenure (years)

Estimated result

Invested / principal-

Est. growth / interest-

Projected total-

Advisor noteShorter tenures cut interest but raise monthly outflow - check affordability first.

Discuss this scenario

Private illustration for education. Not financial advice, not a guarantee of returns, claims or loan approval.

Personal Loan EMI

Illustrative EMI for unsecured personal borrowing.

Loan amount (Rs)

Interest % p.a.

Tenure (years)

Estimated result

Invested / principal-

Est. growth / interest-

Projected total-

Advisor notePersonal loans are usually costlier than secured credit. Compare APR and processing fees.

Discuss this scenario

Private illustration for education. Not financial advice, not a guarantee of returns, claims or loan approval.

FD Returns

Illustrative fixed-deposit maturity with quarterly compounding.

Deposit amount (Rs)

Interest % p.a.

Tenure (years)

Inflation % p.a.

Estimated result

Invested / principal-

Est. growth / interest-

Projected total-

Advisor noteBank compounding rules, TDS and premature withdrawal penalties can change the outcome.

Discuss this scenario

Private illustration for education. Not financial advice, not a guarantee of returns, claims or loan approval.

RD Returns

See how monthly deposits can accumulate in a recurring deposit.

Monthly deposit (Rs)

Interest % p.a.

Tenure (years)

Inflation % p.a.

Estimated result

Invested / principal-

Est. growth / interest-

Projected total-

Advisor noteRD suits short-term goals. Compare with liquid funds or SIPs for longer horizons.

Discuss this scenario

Private illustration for education. Not financial advice, not a guarantee of returns, claims or loan approval.

PPF Returns

Long-horizon PPF corpus illustration at the assumed notified rate.

Yearly deposit (Rs)

Interest % p.a.

Tenure (years)

Inflation % p.a.

Estimated result

Invested / principal-

Est. growth / interest-

Projected total-

Advisor notePPF has contribution and lock-in rules. Rate is notified by the government and can change.

Discuss this scenario

Private illustration for education. Not financial advice, not a guarantee of returns, claims or loan approval.

Results are estimates for education. Markets, fees, tax and product terms can change outcomes.

Want a review of your numbers? +91 98765 44120 · hello@policywise-demo.example

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