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
Still on dhansanchay.in
FD / RD / EMI / present value and more remain on our long-running site. Use the new tools above for narrative ranges; use the classic suite when you need a familiar screen.
Present value & EMI
Present value · EMI · FD · RD