Retirement & WealthManagement Suite

Plan Your Retirement With Real Numbers, Not Guesswork

Track your investments, simulate your future, and know exactly how much you need — all in one place.

Portfolio Tracking

Import your holdings straight from a CAS PDF or broker contract note (Groww, Zerodha, and more), with live prices for stocks, mutual funds, and gold.

500-Simulation Retirement Planner

Instead of one rough guess, we run 500 independent Monte Carlo simulations of your future to show you the real range of outcomes — best case, worst case, and everything in between.

Smart 3-Bucket Strategy

Your retirement corpus is automatically split into Cash, Stable Income, and Growth buckets, matched against your actual holdings — not a generic template.

Cash Flow & Goal Planning

Track income, expenses, and debts, and plan toward specific goals like your child's education or a home down payment.

Built-In Tax Planner

Automatic FIFO-based capital gains calculation (STCG/LTCG) and 80C deduction tracking, so tax season isn't a scramble.

Smart Rebalancing Alerts

Get notified when your real portfolio drifts from your target allocation.

How It Works

1

Add your holdings

Import from a statement or add manually.

2

Set your retirement goals

Current age, target retirement age, expenses.

3

Get your personalized plan

See your real odds of success, not just one number.

Ready to see where you really stand?

Getting started: Set your age, retirement age, and monthly expenses below. Hit Update Projections to see your retirement forecast. Monthly Expenses and Yearly Contribution are auto-filled from your Cash Flow tab.

Your Timeline

?
years
18 yrs100 yrs
?
years
18 yrs100 yrs
?
years
50 yrs120 yrs

Financial Inputs

?
₹
₹0₹5,00,000
?
₹
₹0₹20,00,000
?
L
₹0 L₹500 L
?
%
0%20%
?
%
0%30%
?
%
0%30%
?
%
0%100%

Corpus Allocation at Retirement

Projection Summary (Savings & Buckets)

Bucket 1 — Liquid / Cash ? ₹0 (0%)
Bucket 2 — Fixed Income / Debt ? ₹0 (0%)
Bucket 3 — Growth / Equity ? ₹0 (0%)

Projection Charts

Year-by-Year Analysis

Yearly Breakdown – Simulation 1 (Accumulation & Retirement)

Loading year-by-year analysis...

Post-Retirement Investment Parameters (for Monte Carlo)

Set Return & Risk Ranges (Buckets)

Bucket Durations

Fix the bucket duration below

Years
Years
Bucket 3 covers the remaining retirement years and aims for long-term growth.

Bucket 1: Cash-like

Ultra Short-Term Debt. Lowest risk, lowest return.

%
%
%
%
%

Bucket 2: Debt

Fixed Deposits, Debt Funds. Moderate risk, moderate return.

%
%
%
%
%

Bucket 3: Equity

Equity, Growth Funds. Highest risk, highest potential return.

%
%
%
%
%

Bucket 1 Annual Details (Cash-like)

Yearly Breakdown – Bucket 1 (Sim 1)

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Bucket 2 Annual Details (Debt)

Yearly Breakdown – Bucket 2 (Sim 1)

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Bucket 3 Annual Details (Equity)

Yearly Breakdown – Bucket 3 (Sim 1)

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Simulation History

Simulation History (Review & Re-Run)

History ID Current Age Retirement Age Yearly Contribution Actions

Post-Retirement Investment Planner

Track your retirement bucket targets and configure your investment allocation strategy.

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Portfolio & Net Worth Tracker

Track all your investments in one place. Live prices for stocks & gold via Yahoo Finance. Mutual fund NAVs via AMFI.

Current Holding Value
—
Total Invested Value
—
Total Gain/Loss
—
Approx CAGR
—
XIRR vs Benchmark Your portfolio returns vs Nifty 50
Your XIRR —
vs
Nifty 50 XIRR —
Difference —
Add transactions in Portfolio to see your XIRR vs Nifty 50.
Asset Invest Date Qty / Units Buy Price Invested Curr Price Curr Value Gain/Loss Return % Updated Actions
Loading your holdings...

Income & Expense Timeline

Track income, expenses, and debts — see your true net monthly cash flow

Gross Monthly Income ? ₹0 Net (after TDS): ₹0
Non-Discretionary Expenses ? ₹0 Non-returnable only
Debt Obligations (EMI) ? ₹0 DTI Ratio: 0%
Monthly Retirement Need ? ₹0 Savings: ₹0/mo
Formula: Monthly Retirement Need = Non-Discretionary Expenses + EMI  |  Monthly Surplus = Net Income − Retirement Need  →  pushed to Planner as Yearly Contribution

Income Sources

Name Person ₹/Month Ends
No income sources yet.
Net monthly: ₹0

Expenses

Name Type ₹/Month Ends
No expenses yet.
Total: ₹0

Debts & Liabilities

Name Type EMI Outstanding
No debts added yet.
Total EMI: ₹0  |  Outstanding: ₹0

Portfolio Balancing

Set your target allocation — see what to buy or sell to stay on track

Your Target Allocation

Set what % of your total portfolio you want in each category. Must add up to 100%.

%
%
%
%
%
100 %
? → alert if drift > %

Goal-Based Financial Planning

Define your financial goals and run Monte Carlo simulations to calculate success probability and required monthly SIP.

Loading your goals...

Tax Planner

FIFO-based capital gains calculator (STCG/LTCG), 80C tracker, and one-click Excel export. Tax rates sourced from database.

FY —

Equity Capital Gains

Equity, Mutual Fund & Gold combined

Short-Term Gains (STCG)—
Long-Term Gains (LTCG)—
LTCG Exempt (₹1.25L)—
Taxable LTCG—
Tax on Equity STCG (20%)—
Tax on Equity LTCG (12.5%)—

Debt Capital Gains & Total

Bonds / Debentures only

Debt Long-Term Gains—
Tax on Debt LTCG (20%)—
Debt Short-Term Gains slab-rate—
Total Estimated Tax—

Excludes all slab-rate / special-rules items shown across these cards

Tax-Exempt Withdrawals

PPF is always exempt (EEE). PF is exempt only if held 5+ years.

PPF Withdrawal Gains—
PF Withdrawal Gains (5yr+)—
Tax on the above₹0 (Exempt)
PF Withdrawal Gains (<5yr) slab-rate—

Real Estate Capital Gains

Estimate only — indexation benefit not factored in

Long-Term Gains (LTCG, est.)—
Tax on Real Estate LTCG (20% est.)—
Short-Term Gains slab-rate—

Other Taxable Income

Not capital gains — not included in Total Estimated Tax above

FD Interest slab-rate—
NPS Withdrawal special rules—

80C / 80CCD(1B) Tax Deduction Tracker

ELSS—
PPF—
PF (EPF)—
FD (Tax Saving)—
80C Used: —Limit: ₹1,50,000
Remaining: —
NPS (80CCD(1B))—
NPS UsedLimit: ₹50,000
Remaining: —
Total Deduction—

Capital Gains Transactions (FIFO)

Asset Type Buy Date Sell Date Units Gain/Loss STCG/LTCG Held
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Smart Insights & Recommendations

AI-powered analysis of your portfolio covering asset allocation, emergency fund, tax efficiency, retirement readiness, and more.

Total Portfolio: —
Loading insights...