Financial Planner Calculator
Financial Planner
Your money. Your future. Fully visualized.
Total Capital: ₹30,00,000
Portfolio Settings
Enter your initial lump sum, investment horizon, and monthly savings (SIP).
Lump Sum Capital (₹)
Monthly SIP (₹)
Horizon (Years)
Inflation (%)
Risk-free (%)
Assets & Allocation
Slide or type % of **LUMP SUM** to allocate. SIP is allocated proportionally. Totals normalized to 100%
Scenarios (preview-only)
Sliders change projections and exports, but do not overwrite permanent asset returns unless you click "Apply →". Sliders remain editable after any action.
Equity shock (%) — affects equity-like assets
0%
Gold shock (%) — affects SGB, gold bars, jewellery, silver
0%
Inflation shock (%) — affects indexation proxy & real-return calc
0%
Tip: try Equity -20, Gold +10, Inflation +3 to model stagflation/flight-to-gold. Use "Reset scenarios" to return to baseline.
Portfolio Overview
Blended expected return (reflects active scenario shocks), real return, volatility, Sharpe.
SIP contribution is calculated alongside capital.
Total Net Value After Tax
—
Total Gain: —
Blended annual return
—
—
Volatility (proxy)
—
Sharpe Ratio
—
Projection across the selected horizon (gross vs net). Exports include the currently-active scenario.
Per-year cashflow table
Gross / Gain / Tax / Net (SIP added to principal)
▼
| Year | Portfolio value (gross) | Total Contribution | Yearly Gain | Cumulative Tax | Net after tax |
|---|
Cashflow stacked chart: Tax (red) + Net Gain (green)
Breakdown & Projections
| Asset | Alloc (%) | Exp % (Scenario) | Final Net Value (₹) | CAGR (%) |
|---|
Dynamic Facts & Suggestions
Facts & suggestions appear here based on your inputs and active scenarios.
Notifications
Presets
Preview shows baseline values. If you run the savings calculator and have a positive monthly surplus, presets will be savings-aware when applied.
Tip: Total investment is Lump Sum + (Monthly SIP * 12 * Horizon).
Quick Facts & Tax
• DICGC covers ₹5,00,000 per bank. • SGB/ETF avoid making charges. • Jewelry resale has making/wastage loss.
Tax & Safety
Edit tax defaults if you want different calculations.
Capital Gains Assumptions
LTCG exemption
LTCG rate (%)
STCG rate (%)
Savings after expenses (monthly)
Enter monthly income, expenses and age. Run this before applying SIP-aware presets.
Export
Exports include the active scenario shocks (what you see).
📘 How to Use the Financial Planner Calculator
1️⃣ Enter Basic Investment Details
- Lump Sum Capital (₹) – One-time amount you already have for investment.
- Monthly SIP (₹) – Amount you plan to invest every month.
- Investment Horizon (Years) – Duration you plan to stay invested.
- Inflation (%) – Expected yearly inflation rate (default 6%). Used to calculate real returns.
- Risk-free Rate (%) – Used for Sharpe Ratio calculation (safe return benchmark).
2️⃣ Asset Allocation (Where Your Money Goes)
- Use sliders or percentage boxes to allocate your lump sum across assets.
- Total allocation is automatically adjusted to 100%.
- Monthly SIP is split in the same proportion.
- You can:
- Normalize – Auto-fix totals to 100%
- Set 100% – Allocate fully to one asset
- Zero – Remove allocation from an asset
- Add Custom Asset – Add your own investment type
3️⃣ Expected Return & Tax Settings
- Exp % p.a. – Expected annual return of that asset.
- Tax Type – Select how returns are taxed (interest, equity, tax-free, etc.).
- Physical Gold – Adjust resale / making loss if applicable.
4️⃣ Scenario Analysis (What-If Simulation)
- Equity Shock (%) – Simulates stock market rise or fall.
- Gold Shock (%) – Simulates gold price movement.
- Inflation Shock (%) – Tests higher or lower inflation.
- Scenarios affect projections and exports but do not permanently change data unless applied.
- Use Reset Scenarios to return to original assumptions.
5️⃣ Portfolio Results Explained
- Total Net Value After Tax – Final value after all taxes.
- Total Gain / Loss – Net profit or loss.
- Blended Annual Return – Weighted return of all assets.
- Real Return – Return after inflation impact.
- Volatility – Risk level of the portfolio.
- Sharpe Ratio – Risk-adjusted return (higher is better).
6️⃣ Charts & Tables
- Allocation Chart – Visual split of investments.
- Projection Chart – Growth over time (Gross vs Net).
- Cashflow Table – Year-by-year portfolio values.
- Asset Breakdown – Final value and CAGR per asset.
7️⃣ Warnings & Smart Suggestions
- Alerts for high tax exposure.
- FD amount exceeding DICGC insurance limit.
- Negative real returns (below inflation).
- Over-concentration in risky assets.
8️⃣ Monthly Savings Calculator
- Enter monthly income, expenses and age.
- Click Calculate to see surplus savings.
- Emergency fund and SIP suggestions are auto-generated.
- Presets become savings-aware after calculation.
9️⃣ Preset Portfolios
- Conservative – Lower risk, stable returns.
- Balanced – Mix of safety and growth.
- Growth – Higher equity exposure.
- Presets auto-adjust based on savings if available.
🔟 Export Options
- CSV Export – For Excel / analysis.
- PDF Report – Complete portfolio summary.
- Exports always reflect active scenario assumptions.
🧾 Short Forms & Terminology
- SIP – Systematic Investment Plan
- p.a. – Per annum (per year)
- CAGR – Compound Annual Growth Rate
- LTCG – Long Term Capital Gains
- STCG – Short Term Capital Gains
- FD – Fixed Deposit
- SGB – Sovereign Gold Bond
- ETF – Exchange Traded Fund
- DICGC – Bank deposit insurance (₹5,00,000 per bank)
- Gross Value – Value before tax
- Net Value – Value after tax
- Real Return – Return after inflation
⚠️ Disclaimer: This calculator provides estimates for planning and comparison purposes only. Actual returns depend on market performance, tax laws, and individual investment choices. This is not financial advice.