Enter what your payslip shows. We'll build up your true total compensation from there.
Add every deduction from your payslip. Tag each one so we know where that money goes — corpus, equity, or just gone. Stop when the difference hits zero, or proceed if there's a known gap.
These employer contributions don't appear in your payslip earnings — but they compound toward your corpus. Employer PF is auto-calculated at 12% of basic; adjust if different.
Car lease, driver, fuel, LTA, club memberships, phone, internet. Real cost to your employer — but they don't compound as wealth. Add them to see your full compensation picture.
Add any income beyond your salary — consulting, rental, spouse income, dividends, annual bonus, etc. Frequency and age range are important: a bonus should usually be Annual or One-time, not Monthly.
Any outflows not captured elsewhere. Fixed = must-pay (insurance, rent). Discretionary = lifestyle. Investment = wealth-building (adds to corpus projection).
Enter the equity portion only (market value minus outstanding loan).
Loans reduce your monthly investable surplus and your net worth. Outstanding balances are deducted from your corpus total. EMIs are deducted from your monthly surplus automatically.
⚠️ The termination cost crystallises as a lump sum on day one of any exit — redundancy or resignation. This is deducted from your liquid assets in the job loss scenario.
These are your legal and negotiated entitlements on exit. Leave encashment is calculated on full pay, not just basic. Gratuity auto-calculates from your earnings section.
✓ Tax-free if 5+ years continuous service · ✓ Processed in 7–10 working days online · ✓ Available up to 3 times in service · ✓ No need to wait for job loss
Add weddings, education, property purchases, travel goals — any large planned expense. Enter costs in today's rupees; inflation will be applied automatically. These show as dips on your corpus chart.
Milestones marked "from corpus" are deducted from your retirement portfolio at that age. Milestones marked "separately funded" are noted but not deducted — you're treating them as earmarked outside the retirement corpus.
Enter what you expect to spend in today's rupees. Inflation will be applied automatically. The Retirement spend column lets you adjust if you expect to spend more or less than today.