1. Define Your Goal

Goal / Asset Name

Current Cost

₹

Time Period (Years)

yrs

Expected Inflation (%)

%

Projected Cost: ₹0

Current Age

yrs

Target Retirement Age

yrs

Current Monthly Expenses

₹

Expenses you'll need to maintain in retirement.

Safe Withdrawal Rate (SWR %)

%

Standard FIRE rule is 4% (Corpus = 25x Annual Expense).

2. Funding Strategy

Planned Loan Amount (%)

%

Loan Amount Required: ₹0

Initial Savings (Lumpsum)

₹

Current Ongoing SIP

₹

Annual Step-Up SIP (%)

%

Down Payment Today

₹

Loan Amount Required: ₹0

Loan Interest Rate (%)

%

Extra Prepayment (Monthly)

₹

Parallel Monthly SIP

₹

3. Investment Returns

Expected Annual Return (%)

%

Initial Monthly SIP

₹0

To achieve your goal.

Future Goal Cost

₹0

Loan Amount

₹0

Target to Save

₹0

NPS Rule: Lock-in till age 60. At maturity, max 60% can be withdrawn tax-free as lumpsum. Minimum 40% must be used to buy an annuity (pension).

Employment Sector

Retirement Type

Current Age

yrs

Total Initial Investment (Lumpsum)

₹

Total Monthly Contribution

₹

Annual Step-Up (%)

%

Increase contribution yearly as your salary grows.

Expected Return

%

Annuity Reinvestment (%)

%

Min 40% required by law. Higher % gives more monthly pension.

Expected Annuity Rate

%

Expected Monthly Pension

₹0/mo

Starting at Age 60

Total Corpus

₹0

Tax-Free Lumpsum

₹0

Annuity Value (Locked)

₹0

Employee Details

Current Age

yrs

Completed Service

yrs

Retirement Age

yrs

Monthly Basic Pay Today

₹

Annual Basic Growth (%)

%

Applicable Dearness Relief (DR %)

%

Total Initial Investment (Lumpsum)

₹

Expected NPS Return (%)

%

Expected Annuity Rate (%)

%

UPS Payout

NPS Payout

Assured Pension (per month)

₹0

Dearness Relief (per month)

₹0

Total Pension (per month)

₹0

Lumpsum at Superannuation

₹0

Monthly Annuity

₹0

Assuming 40% of corpus is reinvested in Annuity.

Lumpsum at Superannuation

₹0

Tax-free withdrawal of the remaining 60% corpus.

* Comparison Assumptions: Calculations are projections for educational purposes based on the Unified Pension Scheme rules. UPS Assured Pension is calculated as 50% of the projected average basic pay (last 12 months) for ≥25 years of service. UPS lumpsum represents 1/10th of final monthly emoluments per 6 months of service. NPS calculations project the corpus based on your specified inputs and standard compounding.

APY Rules: Guaranteed pension by Govt. Entry age 18-40. Premium is based on entry age and desired pension. Contributions run till age 60.

Entry Age

Desired Monthly Pension

₹

Parallel Lumpsum (Optional)

₹

APY doesn't take lumpsums. This is assumed to be invested in an FD (7%) till age 60.

Required Monthly APY Premium

₹0

Payable till age 60.

Total Premium Paid

₹0

Return of Corpus (To Nominee)

₹0

Parallel Lumpsum at 60

₹0

APY is a defined benefit scheme.
Your pension of ₹5000/mo is guaranteed regardless of market performance.

PPF Rules: Sovereign guarantee. Lock-in period of 15 years. Maximum investment ₹1.5 Lakh per financial year. EEE Tax Status (Exempt-Exempt-Exempt). Current Interest Rate: 7.1% (Compounded Annually).

Initial Investment (Lumpsum)

₹

Yearly Deposit

₹

Max ₹1,50,000 per year allowed.

Duration (Years)

Min 15 years. Extendable in blocks of 5 years.

Interest Rate7.1% (Fixed)

Tax-Free Maturity Amount

₹0

Total Invested

₹0

Total Interest Earned

₹0

SSY Rules: For Girl Child only. Account matures after 21 years from account opening. Contributions required only for the first 15 years. Current Interest Rate: 8.2% (Compounded Annually).

Initial Investment (Lumpsum)

₹

Yearly Deposit

₹

Max ₹1,50,000 per year. Payable for 15 years only.

Interest Rate8.2% (Fixed)

Maturity Amount (Year 21)

₹0

Total Invested (in 15 yrs)

₹0

Total Interest Earned

₹0

Initial Lumpsum

₹

Monthly SIP / Deposit

₹

Time Horizon (Years)

yrs

Equity SIP (12%)

₹0

High Risk, High Return, High Liquidity

NPS Aggressive (10%)

₹0

Tax saving, Lock-in till 60

UPS (Equivalent)

₹0

Assumes 10% basic contribution & 50% DA

SSY / Girl Child (8.2%)

₹0

Tax Free, 21yr Maturity

PPF (7.1%)

₹0

Tax Free, Sovereign Guarantee

Bank FD (6.5%)

₹0

Fully Taxable, High Liquidity

Vitta Ganak (वित्त गणक)

1. Define Your Goal

2. Funding Strategy

3. Investment Returns

₹0

₹0

₹0

₹0

₹0/mo

₹0

₹0

₹0

Employee Details

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

₹0

Year Wise Breakdown