VelanStore Financial Planner Calculator – Plan Smarter, Invest Confidently

At VelanStore.com, we believe that smart living is not just about buying the right products — it’s also about making smarter financial decisions.

That’s why we built the VelanStore Financial Planner Calculator — a powerful, easy-to-use financial calculator that helps you plan investments realistically by accounting for returns, risk, inflation, and taxes in one place.

Why VelanStore Created a Financial Calculator

VelanStore started as a platform focused on value, trust, and practical decision-making. Over time, we realized that many customers were asking:

• How much should I invest every month?
• Is SIP better than lump sum?
• Am I actually beating inflation?
• How much tax will I really pay?

Most online calculators show ideal numbers, not real outcomes.

So we created a calculator that shows the truth behind financial planning — simple, transparent, and practical.

What Is the VelanStore Financial Planner Calculator?

The VelanStore Financial Planner Calculator is an advanced investment & portfolio calculator that allows you to:

• Plan lump sum and SIP investments together
• Allocate money across multiple assets
• Adjust for taxes and inflation
• Understand portfolio risk
• Visualize growth year by year
• Make informed decisions — without needing a financial advisor

It’s designed for real people, not just finance professionals.

Key Features of the VelanStore Financial Calculator

💰 Lump Sum & SIP Planning (Together)

Many calculators force you to choose either SIP or lump sum.

VelanStore’s calculator allows:

• One-time capital investment
• Monthly SIP contributions
• Combined growth projection

This reflects how people actually invest in real life.

📊 Smart Asset Allocation

Plan your money across:

• Bank Fixed Deposits
• Post Office schemes
• Equity mutual funds
• Index funds
• Sovereign Gold Bonds (SGB)
• Physical gold & silver
• Custom investments

Just like shopping wisely on VelanStore, you can diversify instead of over-buying one asset.

📉 Real Returns, Not Marketing Numbers

Returns are calculated using:

• Monthly compounding
• Asset-specific volatility
• Long-term expected returns
• SIP accumulation

No inflated or unrealistic promises.

💸 Tax-Aware Financial Planning

Taxes reduce returns — ignoring them is costly.

This calculator includes:

• Equity LTCG & STCG
• Interest tax on FD & deposits
• Indexation for debt & gold
• Tax-free maturity where applicable

You see net money, not imaginary profits.

📈 Inflation-Adjusted Wealth Planning

Just like product prices rise over time, money loses value due to inflation.

The VelanStore calculator shows:

• Inflation-adjusted returns
• Real wealth creation
• Alerts when returns fail to beat inflation

⚠️ Risk, Volatility & Safety Alerts

Get intelligent warnings such as:

• Over-concentration in risky assets
• FD investment exceeding DICGC insurance
• Negative real returns
• High tax exposure

This mirrors VelanStore’s philosophy of safe, informed choices.

🔄 Scenario Planning (What-If Analysis)

Simulate:

• Market downturns
• Gold price spikes
• Inflation shocks

Preview outcomes before committing real money.

📋 Detailed Cashflow Projections

See:

• Year-by-year portfolio value
• Contributions vs growth
• Tax paid over time
• Net value after tax

Perfect for:

• Goal-based planning
• Retirement preparation
• Long-term confidence

📁 Download Reports (CSV & PDF)

Just like invoices on VelanStore, you can:

• Download Excel reports
• Generate professional PDFs
• Share plans with family

Who Should Use the VelanStore Financial Planner?

This calculator is ideal for:

• VelanStore customers planning long-term savings
• Salaried professionals starting SIPs
• Families planning education or retirement
• Investors confused by tax & inflation
• Anyone who values clarity over hype

How This Aligns With VelanStore’s Vision

At VelanStore.com, our goal is to help customers:

• Spend wisely
• Plan better
• Build long-term value

Just as we help you choose the right product at the right price, this financial planner helps you choose the right investment mix at the right time.

Common Financial Terms Explained

• SIP – Monthly investment plan
• CAGR – Annual growth rate
• LTCG / STCG – Capital gains tax
• FD – Fixed Deposit
• SGB – Sovereign Gold Bond
• ETF – Exchange Traded Fund
• Real Return – Return after inflation

Disclaimer

The VelanStore Financial Planner Calculator is for educational and planning purposes only. Returns shown are estimates. Actual outcomes depend on market performance, tax laws, and individual decisions.

Start Planning Smarter With VelanStore

If you’re searching for a financial calculator you can trust, the VelanStore Financial Planner Calculator offers clarity, realism, and control — just like everything we aim to deliver at VelanStore.com.

👉 Plan smarter. Spend wisely. Grow confidently.