Pillar Reference

Manage Pillar

Budgeting & Cashflow Engines. Each calculator is optimized for precision and compliant with latest financial standards.

life stage planning

3 Tools

Maternity & Paternity Financial Planner

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Plan maternity leave income, delivery costs, and insurance gaps under the Code on Social Security 2020.

Under the Code on Social Security 2020, eligible mothers in India receive 26 weeks of paid leave, while all adoptive mothers now receive 12 weeks. This planner calculates leave pay, hospital costs vs insurance, and Section 80D tax benefits.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter monthly gross salary
2
Specify leave duration
3
Input medical costs & insurance cover

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Divorce Impact Calculator

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Estimate economic impact: alimony, asset division, and post-transition cashflow.

Estimates alimony based on 25% income benchmarks. Models post-divorce disposable income to ensure financial recovery.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter incomes & net worth assets
2
Input alimony & legal estimates
3
Project post-divorce cashflow runway

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Study Abroad Financial Planner

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Plan foreign education costs in INR: tuition, living, and LRS TCS rules.

Costs 15-20% more than sticker price due to 5% TCS and Forex markups. Converts foreign tuition into real INR funding impact.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input foreign course expenses
2
Configure forex markup & TCS
3
Review total target corpus in INR

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

salary compensation

11 Tools

In-Hand Salary Calculator

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Convert CTC to take-home salary for FY 2026-27 — accounts for HRA, PF, PT, and latest TDS slabs.

Your in-hand salary for FY 2026-27 is your Gross Salary minus EPF (12% of basic), Professional Tax, and TDS. Under the New Tax Regime, a ₹75.0K standard deduction is automatically applied.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter Annual CTC
2
Configure EPF & Gratuity
3
Select Tax Regime (Old vs New)

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Salary Restructuring Optimizer

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Optimize your CTC breakup (Basic, HRA, FBP) to maximize take-home pay under FY 2026-27 tax rules.

To maximize in-hand salary, keep Basic Salary at 40% of CTC for high income (to minimize PF) or 50% for Metro residents to maximize HRA exemption.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input CTC details
2
Adjust HRA & Special Allowance
3
Optimize Flexi allowances

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Salary Hike Calculator

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Project your new CTC and in-hand increase against the 2026 India average hike benchmarks.

The average salary hike in India for 2026 is projected at 9.50%. Use this calculator to see how an appraisal affects your specific tax slab and real wage growth.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter Current Salary
2
Specify Appraisal Percentage
3
Review Net Increase & Tax Impact

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Salary Benchmarking

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Compare your tech, product, or sales compensation against 2026 market percentiles for Startups and MNCs.

Benchmarking for 2026 shows a median base for SDE-2 (5 YOE) ranging from ₹18.00L (MNC) to ₹25.00L (Top Startup).

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Select Role & Experience
2
Enter current CTC
3
Compare against market percentiles

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Real Wage / Hourly Calculator

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Calculate your 'Real Wage' by factoring in commute time, taxes, and work expenses.

The 'Life Hour' metric represents how many hours you work just to pay for the job itself (Tax, Commute, Expenses). Commute is 'surrendered time' that effectively cuts your hourly value.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter nominal CTC
2
Declare job-related costs (Commute, Gear)
3
Calculate 'Life Hour' wage

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Offer Comparison Calculator

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Compare job offers side-by-side: evaluate Fixed Pay, ESOP Value, and Net In-Hand.

Look beyond the 'Big CTC'. A high-fixed MNC offer may be superior to a startup offer with high paper-value ESOPs depending on liquidity needs and risk tolerance.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input Offer A details
2
Input Offer B details
3
Review 5-year wealth trajectory

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Notice Period Buyout

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Calculate notice period shortfall liability and understand latest GST and F&F settlement rules.

CBIC Circular 178/10/2022 clarifies that no GST is applicable on notice period recovery. New Labour Codes mandate F&F settlement within 2 working days of exit.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter notice period details
2
Provide gross & basic salary
3
Calculate buyout liability

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Freelance Rate Calculator

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Determine your hourly rate to hit net profit targets using Section 44ADA presumptive tax benefits.

Section 44ADA allows professionals to pay tax on only 50% of gross receipts (up to ₹75.00L turnover). Factor in 'unbillable' time (admin/sales) to set your real rate.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input target net income
2
Specify annual expenses
3
Determine billable hourly rate

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Sabbatical / Career Break Planner

Interactive

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Stress-test your 'Sustainability Runway' for a career break and calculate lost compounding.

A sabbatical requires (12m expenses) + (4m buffer). The hidden cost is the 'Compounding Gap'—missing one year of PF/SIP at age 30 can cost significant wealth at age 60.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter monthly expenses
2
Specify break duration
3
Calculate sustainability runway

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Moving City Affordability

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Compare purchasing power between Indian cities using 2026 CoL indices and rent benchmarks.

Mumbai remains the most expensive (Index 100). A ₹20 LPA salary in Bangalore offers roughly the same purchasing power as ₹28 LPA in Mumbai due to rent variance.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Select Source & Target Cities
2
Enter current income
3
Compare equivalent salary

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Flexi-Benefit Plan Modeller

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Optimize FBP components like Meal, LTA, and Gift Vouchers for maximum tax savings.

Maximizing FBP can save significant wealth annually. Recommended allocations: Meal Vouchers (₹26.4k), Internet (₹36k). Employer NPS remains exempt in both regimes.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input annual CTC & basic
2
Allocate FBP components
3
Check tax savings (Old vs New)

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

budget expenses

13 Tools

50-30-20 Budget Planner

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Apply the classic 50-30-20 rule: Needs 50%, Wants 30%, Savings 20%.

A simple framework for financial discipline. In high-inflation environments, automate your 20% savings first (Reverse 50-30-20) before spending on needs/wants.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter monthly net income
2
Distribute cashflow (50/30/20)
3
Monitor variances monthly

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Zero-Based Budget Planner

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Assign every single rupee a job until your unallocated balance is zero.

Zero-based budgeting (ZBB) means Income - Expenses = 0. Highly effective for stopping 'invisible' spending leakage by pre-assigning every rupee to a category.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input monthly income
2
Create expense categories
3
Assign every rupee until balance is zero

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Monthly Budget Tracker

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Comprehensive monthly ledger to track actual spending vs planned targets.

Visualize cashflow 'leakage'. Strive for a 'Savings Velocity' where your surplus grows annually. UPI auto-categorization helps track small daily spends.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Define category budgets
2
Log daily expenditures
3
Analyze progress & leakage

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Income vs Expense Dashboard

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High-level visual overview of your monthly cashflow: inflow vs outflow.

The dashboard calculates your 'Net Cashflow Position'. Positive cashflow is the engine of wealth. Use a 'Sinking Fund' to smooth out large annual expenses.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
List income streams
2
Group total expenses
3
Evaluate net cashflow velocity

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Expense Category Analyzer

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Deep-dive into spending patterns to identify leakage in lifestyle categories.

Subconscious Spending (subscriptions, dining) often accounts for 15-20% of urban budgets. This analyzer pinpoint areas to cut back without losing quality of life.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Categorize expenses
2
Compare with standard ratios
3
Identify & redirect leakage

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Sinking Fund Calculator

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Save for big-ticket goals (Travel, Wedding) with inflation-adjusted contributions.

A strategic way to avoid debt. Break down large future costs into manageable monthly 'EMIs to yourself', accounting for 6% annual inflation.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Define goal cost & horizon
2
Adjust for inflation
3
View monthly savings target

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Envelope Budget Planner

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Digital cash-stuffing method for strict spending discipline.

Creates a hard ceiling on spending. Stops 'UPI friction loss' by forcing you to check the virtual envelope balance before every transaction.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Allocate envelope amounts
2
Deduct spends in real-time
3
Stop spending when envelope is empty

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Lifestyle Creep Calculator

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Measure how much of your career raises were captured as savings vs lost to inflation.

If expenses rise at the same rate as income, your 'Creep Score' is 100%. Aim for below 40% by 'Saving the Raise'—investing 50-70% of every hike immediately.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input past income & expenses
2
Input current income & expenses
3
Review Creep Score & Wealth Velocity

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Subscription Audit

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Evaluate recurring subscriptions and identify unused leakage.

Urban households often spend ₹2,500/month on OTT/SaaS, with 30% going unused. Use RBI e-mandate portals to identify and cancel hidden card charges.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Add active subscriptions
2
Assign usage frequency
3
Analyze annual financial leak

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Savings Rate Calculator

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Calculate true savings rate across EPF, SIPs, PPF, and NPS.

Your savings rate is the primary driver of FI. A 30% rate is the standard goal. Includes 'invisible' savings like employer PF contributions.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter monthly take-home
2
List all monthly investments
3
Review retirement/FIRE timeline

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

EV vs ICE TCO Calculator

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Total Cost of Ownership comparison between EVs and ICE vehicles.

Compares high upfront EV cost vs fuel savings. A 1,500km/month driver typically breaks even in 4 years. Factors in IRDAI insurance slabs and opportunity cost.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter vehicle purchase prices
2
Provide usage (km/month)
3
Analyze breakeven period

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Irregular Income Budgeter

Interactive

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Determine safe monthly spending for freelancers with volatile income.

Budget based on income 'floors' rather than averages. Establish a 3-month 'Buffer Account' and reserve 30% for tax liabilities under Section 44ADA.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input revenue history (6 months)
2
Set fixed commitments
3
Determine safe-to-spend limit

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Subscription ROI Checker

Interactive

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Calculate ROI for subscriptions by measuring cost-per-hour of usage.

If a service costs >₹50 per hour of use, it represents low ROI. Audit monthly to convert 'silent leakage' into investment surplus.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input subscription costs
2
Declare weekly hours of use
3
Check cost-per-hour ROI

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

debt management

2 Tools

Cost of Debt Calculator

Interactive

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Reveal the true cost and 'Debt Premium' of buying items on EMI.

Even 'no-cost' EMIs carry hidden processing fees and GST on interest. This tool reveals the true interest rate (IRR) you are paying.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter cash purchase price
2
Provide EMI details & fees
3
Review effective IRR & premium

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Debt Master Planner

Interactive

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Organize multiple loans and compare Snowball vs Avalanche payoff strategies.

Avalanche (high-interest first) saves more money. Snowball (smallest balance first) builds psychological momentum. Use both to find your path to zero debt.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
List all active loans/cards
2
Set extra monthly payment
3
Compare payoff strategies

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

financial health planning

7 Tools

Net Worth Tracker

Interactive

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Track total net worth: assets (investments, property) minus liabilities.

The ultimate scorecard. Track your year-on-year trajectory. A common benchmark: (Age - 25) * (Annual Income) / 10.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
List financial assets
2
Declare all liabilities/loans
3
Analyze asset allocation ratios

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Basic FIRE Number

Interactive

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Calculate Lean, Standard, and Fat FIRE targets based on the 4% (3.33% India) rule.

Your target corpus to sustain life without working. In India, use 30x annual expenses to counter 6% inflation risk.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter annual living expenses
2
Select Safe Withdrawal Rate
3
Review FIRE target tiers

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Financial Health Scorecard

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Get a score based on savings rate, debt ratio, and emergency reserves.

Evaluates habits across savings, debt-to-income, and liquidity. Scoring above 80/100 indicates strong retirement readiness.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Provide income & savings
2
Input monthly EMIs & debt
3
Review health score recommendations

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Emergency Fund Calculator

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Calculate the safety net required to cover 6-12 months of expenses.

Aim for 6 months (salaried) or 12 months (freelance). Factor in 14% medical inflation and essential EMIs to prevent loan defaults during job loss.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter essential monthly expenses
2
Declare loan EMIs
3
Select risk-based coverage duration

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Couples Financial Planner

Interactive

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Optimize shared expenses, tax regimes, and joint wealth for dual-income couples.

Modern couples use 'Proportional Split' to maintain fairness. Optimize Section 80CCD(2) and joint home loan interest to save significant taxes.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input individual incomes
2
Detail shared household expenses
3
Select allocation split method

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Sandwich Generation Planner

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Balance the financial pressure of supporting aging parents and raising children.

Prioritize your own retirement first. Use education loans for children and comprehensive insurance for parents to preserve your core wealth corpus.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
List independent & dependent costs
2
Input parent insurance limits
3
Model future cashflow trajectory

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Job Loss Emergency Planner

Interactive

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Simulate income loss and calculate 'Survival Runway' using severance and EPF.

Account for 2-day F&F rules. You can withdraw 75% of EPF after 1 month of unemployment. Calculates your 'Cash Burn Rate' survival timeline.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input monthly cash burn rate
2
Provide severance & liquid assets
3
Calculate survival months runway

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

daily spending

3 Tools

Tip Calculator

Interactive

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Calculate tips and split bills effortlessly for modern UPI payments.

Service charges are optional per CCPA 2022. This tool splits bills accurately for seamless UPI transfers among friends.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter bill subtotal
2
Select tip percentage
3
Split among friends for UPI

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Electricity Bill Calculator

Interactive

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Estimate monthly power bill based on 2026 state-wise slab tariffs.

Calculated using graded slabs. In cities like Mumbai, rates jump significantly above 300 units. Factors in solar net-metering offsets.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Select state & service provider
2
Enter units consumed (kWh)
3
Analyze slab & fixed charge breakdown

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

AC Size & BTU Calculator

Interactive

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Calculate ideal AC tonnage based on room dimensions and sun exposure.

Prevents energy waste. For a 150 sq.ft room in India, 1.5 Ton is standard, but climate extremes may require 2 Ton inverters.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter room dimensions
2
Provide ambient sun exposure factors
3
Calculate recommended BTU tonnage

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

business ops

1 Tools

Margin Calculator

Interactive

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Calculate gross margin and markup including latest GST slabs.

Distinguishes between Margin (Profit/Price) and Markup (Profit/Cost). Accounts for 18% or 28% GST to protect net profitability.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input cost price
2
Specify margin or markup target
3
Select GST slab for final price

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.