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Health Score
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2
SIP Planner
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3
EMI Optimizer
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4
FIRE Planner
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Score
Welcome back, Friend 👋
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Financial Health Score
Monthly SIP
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FIRE Progress
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EMI Ratio
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FIRE Age
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Income
—
monthly take-home
Outflow
—
expenses + EMIs
Surplus
—
free cash flow
Net Worth
—
assets − liabilities
📈Net Worth Projection (10yr)
🔥FIRE Corpus Journey
Now: —
Target: —
🏦EMI Overview Tap to optimise →
Monthly EMI
—
total outflow
EMI Ratio
—
of income
Active Loans
—
Safe Limit
30%
Status
—
🎯Next Best Actions
❤️Health Pillars at a Glance
Wealthpedia · Personal Finance OS · Data stays in your browser 🔒 · Not financial advice · © 2026
Step 1 · Clarity
Financial Health Score
15 inputs across 9 pillars · Score 0–100 · Ratio-based assessment from Wealthpedia
Step 2 · Confidence
SIP Comparison Calculator
Compare Scenarios · Step-Up SIP · Goal Planner Mode · Inflation-adjusted returns
⚙️Parameters
📈 Step-Up SIP
Annual SIP increase matching salary hikes
🎯Goal Planner Mode
Enter target corpus amounts. Table shows the monthly SIP needed at each return rate.
Your SIP Corpus
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—
Real Value
—
inflation adj. (your SIP)
Wealth Multiple
—×
your SIP wealth ratio
📊Scenario Comparison Table
✏️ Edit ₹ amounts in first column · ✏️ Edit return % in column headers · ← Swipe to see all →
| Monthly SIP ✏️ | ● % Conservative | ● % Moderate | ● % Aggressive | 💡 Insight |
|---|
📈Growth Projection (Moderate 12%)
Not SEBI-registered investment advice. For educational purposes only. Past returns ≠ future returns. © 2026 Wealthpedia
Step 3 · Control
EMI Pro Calculator
Amortization · Prepayment · Tax Benefits · What-If Explorer
🏷️Loan Type
🏠 Home
🚗 Car
💳 Personal
🎓 Education
₹
₹
Monthly EMI
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Total Payable
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Principal
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Total Interest
—
EMI Ratio
—
📊 Overview
📋 Amortization
💸 Prepayment
🧾 Tax Benefits
🔭 What-If
📊Principal vs Interest — Yearly Breakdown
Yearly
Monthly
📉Outstanding Balance Over Time
Balance reduces faster in later years as interest share shrinks — the power of long-tenure loans.
Not a SEBI-registered product. Tax deductions are indicative — consult a CA. EMI calculations assume flat interest rate. © 2026 Wealthpedia
Step 4 · Choice
Multi-Goal FIRE Planner
Sequential Funding · FIRE · Monte Carlo · Corpus Stress Test
⚙️Core Inputs
₹
₹
📈 Step-Up SIP
Annual SIP increase — Y1: ₹— → Y5: ₹—
🔥FIRE Mode
50
₹
📉 Equity Glide Path
Age FIRE–+10: 70% equity · +10–20: 50% · 20+: 30%
💰 LTCG Tax 12.5%
On equity withdrawals after retirement
🏛️EPF / NPS / PPF
Enter projected corpus at retirement. These are guaranteed savings that directly reduce your FIRE gap.
₹
₹
Total Guaranteed Corpus
₹0
🏠Property / Real Estate Sale
Sale proceeds added as lump-sum to corpus at the age you sell. For rental income, use Passive Income section below.
💵Passive Income After FIRE
Monthly passive income deducted from withdrawal need each year (grows with inflation). E.g. pension, rental, NPS annuity, consulting.
₹
🎯Your Goals
FIRE Number
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At 3.5% SWR · — years away
FIRE Age
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Corpus Progress0%
——
Required SIP
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to hit target FIRE age
Annual Savings
—
current SIP × 12
⚡Your FIRE Action Plan
Calculated from your numbers — not generic advice
📈Portfolio Journey — Deterministic
🔭Corpus Sensitivity — SWR vs Inflation Rate
Highlighted = your settings · Values in Crores · —
🎯Goal Funding Summary
| Goal | Monthly SIP* | Target | Projected | Today's Value | Status |
|---|
*Standalone SIP from ₹0. Existing portfolio reduces actual SIP needed.
🎲Retirement Corpus Stress Test
3,000 simulations · Real Indian market data 1990–2025 · Age 90 horizon
Why this matters: Markets crashed −51.8% in 2008 and surged +75.8% in 2009. This test shuffles 35 years of real data 3,000 times to find your actual probability of corpus survival to age 90.
Important Disclaimer · All projections are illustrative. Past returns are not indicative of future results. This does not constitute financial advice. Please consult a SEBI-registered investment advisor before making any investment decisions. · Made with ❤️ for India · © 2026 Wealthpedia · wealthpedia.in