SIP & step-up
The Quiet Crore
See how a boring SIP — especially with an annual step-up — quietly compounds. Compare flat vs stepped-up, three portfolio-type scenarios, and watch the discipline dividend on the chart.
Planning tools
Seven tools to build intuition about how discipline, time, and quiet compounding work together — including education, retirement (with Jeevan Saathi), wedding planning, and a generational thought experiment. These are illustrations — not advice. Your real plan is always a conversation, not a calculator. Assumed returns use debt-oriented 6%, hybrid 8.5%, and equity-oriented 12% as portfolio-type labels, not promises.
Free checklist: The Dhansanchay Family Wealth Checklist — eleven items to print and keep with your records (no form gate).
Education
The Education Horizon
Education costs often beat CPI — the tool starts at 9% fee inflation and 12% on existing savings, with SIP bands from debt to equity so you can stress-test openly.
Retirement
The Retirement Number
Retirement is not an age. It is a monthly number. Includes Jeevan Saathi planning — a joint-life horizon so the corpus is sized for the spouse who may live longer.
Withdrawals
How Long Will It Last?
Corpus longevity check — if you withdraw at a pace with annual increases, how many years might money last in a deterministic illustration?
Delay
The Cost of Waiting
Waiting three years is not just three missed instalments — it is compounding you do not get back. See the rupee gap and a catch-up SIP hint.
Wedding
The Wedding Compass
Future wedding cost in today's terms, inflation, and SIP illustrations — traditions differ; the maths is a shared starting point for the ledger.
Generations
The Generational Horizon
A thought experiment: the same SIP habit across 25, 50, and 75 years. Continuity in rupees — not a forecast.
Return assumptions of 6%, 8.5%, and 12% correspond to debt-oriented, hybrid, and equity-oriented portfolio types respectively. These are illustrative, not guaranteed. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. For personalised guidance, book a review.
Classic suite
Quick calculators — same paths as always
Eight familiar screens at the classic Calculator paths — instant results in the browser, no sign-in. Use the narrative tools above when you want sliders, charts, and longer stories.
Goals
Retirement planner
Corpus for retirement spending, gap vs what you have, SIP to close it.
Goals
Child education
Inflated future fees, savings growth, monthly SIP to fund the gap.
SIP
SIP calculator
Flat monthly SIP — corpus, amount invested, growth component.
SIP
SIP delay
Rupee cost of waiting — and catch-up SIP if you start late.
Loans
EMI
Home or personal loan — monthly instalment and total interest.
Time value
Present value
What a future lump sum is worth in today's rupees.
Deposits
Fixed deposit (FD)
Lump-sum maturity — quarterly or annual compounding.
Deposits
Recurring deposit (RD)
Equal monthly deposits — maturity and interest earned.