Tools
Five questions worth answering yourself.
These are the calculations I run in the first meeting anyway. You may as well have them, and arrive at the conversation already knowing roughly where you stand.
Each one runs entirely in your browser. Nothing is stored, nothing is sent anywhere, and there is no form to fill in first.
Net worth
Add up what you own and what you owe. The one number worth recording once a year, and the only honest measure of whether the plan is working.
Open the calculatorRetirement
The corpus you would need to stop working, adjusted for inflation, against what you are currently on course for. The gap is usually the surprise.
Open the calculatorLife cover
How much term cover your family would actually need, worked out from your income and liabilities rather than a multiple someone quoted you.
Open the calculatorStudying abroad
What a foreign degree costs in rupees once you count both rising fees and a falling rupee. Most estimates count only the first.
Open the calculatorThe cost of an upgrade
What a recurring commitment really costs once you count the years you carry it and the compounding you never saw. The one most people have never done.
Open the calculatorWhat a calculator can and cannot do
Every one of these turns assumptions into a number. Change the inflation rate by a percentage point and the answer moves by lakhs, which tells you something important: the output is not a fact about your future, it is a statement about the assumptions you chose.
Used well, that is exactly what makes them useful. Run the retirement number three times, at five, six and seven per cent inflation, and you learn more from the spread than from any single figure. Used badly, a calculator becomes a false comfort, a screenshot that says you are fine.
None of these outputs is advice, and none accounts for your tax position, your dependants, your existing portfolio, or how you actually behave when markets fall twenty per cent. That is the part worth talking about.