Plan for every
chapter of your life.

Student Stage

• Balance part‑time income, education loan EMI, and monthly expenses. See how much you can save each month.

Professional Stage

• Build an emergency fund, track savings rate, and apply the 50/30/20 rule. Pair with Income Wallet for real numbers.

Family Stage

• Plan for child education with SIPs, manage household expenses, and monitor multiple goals. Use Investment Wallet to track actual SIPs.

Pre‑Retirement Stage

• Project your retirement corpus based on current savings, monthly contributions, and expected returns. Align with Wealth Wallet goals.

Retirement Stage

• Test withdrawal rates and see how long your corpus lasts – the 4% rule in action. Simulate safely before you retire.
• Interactive sliders: Each stage has custom sliders to model real‑life scenarios instantly.
• Private & secure: All calculations happen in your browser – no data is ever sent to a server.

• Ananya (24) is a recent graduate. In the Student stage, she earns ₹20,000, spends ₹15,000, and pays ₹3,000 EMI – saving ₹2,000/month.
• Five years later, as a Professional, she earns ₹60,000, spends ₹30,000, and sets an emergency fund target of ₹1.8L (6 months).
• At 35, now in the Family stage, she and her partner earn ₹80,000 combined, spend ₹50,000, and save ₹5,000/month for their child’s education.
• In her 50s (Pre‑Retirement), she projects her ₹50L corpus will grow to ~₹2.3Cr in 15 years with ₹25,000 monthly contributions at 8% return.
• Finally, in Retirement, she tests a ₹2Cr corpus with ₹80,000 monthly withdrawal at 6% return – it lasts 28 years, below the 4% rule.
• All simulations are private – therefore, Ananya can plan without sharing sensitive data.

• Start with Student stage: Build good saving habits early – even ₹500/month adds up.
• Emergency fund first: In Professional, aim for 3‑6 months of expenses before investing.
• Use the 50/30/20 rule: 50% needs, 30% wants, 20% savings – adjust sliders to match.
• Education SIP: Start early – for example, ₹5,000/month at 8% can grow to ₹15L in 15 years.
• Retirement corpus: Aim for 30‑40× annual expenses. The Pre‑Retirement tab helps you track progress.
• Withdrawal rate: Keep it below 4% to avoid outliving your corpus – Retirement tab flags if too high.
• All data is private: Consequently, no information leaves your device – perfect for sensitive planning.
• Revisit annually: Life changes – recalc each stage as income, expenses, and goals evolve.
• Combine with other wallets: Use Income, Expenses, and Investment wallets for deeper tracking.
• Don’t ignore inflation: In retirement, use a lower real return (e.g., 6% return – 4% inflation = 2% real).