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Health Score
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SIP Planner
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EMI Optimizer
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4
FIRE Planner
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Score
Welcome back, Friend π
β
Financial Health Score
Monthly SIP
β
FIRE Progress
β
EMI Ratio
β
FIRE Age
β
Income
β
monthly take-home
Outflow
β
expenses + EMIs
Surplus
β
free cash flow
Net Worth
β
assets β liabilities
πNet Worth Projection (10yr)
π₯FIRE Corpus Journey
Now: β
Target: β
π¦EMI Overview Tap to optimise β
Monthly EMI
β
total outflow
EMI Ratio
β
of income
Active Loans
β
Safe Limit
30%
Status
β
π―Next Best Actions
β€οΈHealth Pillars at a Glance
Wealthpedia Β· Personal Finance OS Β· Data stays in your browser π Β· Not financial advice Β· Β© 2026
Step 1 Β· Clarity
Financial Health Score
15 inputs across 9 pillars Β· Score 0β100 Β· Ratio-based assessment from Wealthpedia
Step 2 Β· Confidence
SIP Comparison Calculator
Compare Scenarios Β· Step-Up SIP Β· Goal Planner Mode Β· Inflation-adjusted returns
βοΈParameters
π Step-Up SIP
Annual SIP increase matching salary hikes
π―Goal Planner Mode
Enter target corpus amounts. Table shows the monthly SIP needed at each return rate.
Your SIP Corpus
β
β
Real Value
β
inflation adj. (your SIP)
Wealth Multiple
βΓ
your SIP wealth ratio
πScenario Comparison Table
βοΈ Edit βΉ amounts in first column Β· βοΈ Edit return % in column headers Β· β Swipe to see all β
| Monthly SIP βοΈ | β % Conservative | β % Moderate | β % Aggressive | π‘ Insight |
|---|
πGrowth Projection (Moderate 12%)
Not SEBI-registered investment advice. For educational purposes only. Past returns β future returns. Β© 2026 Wealthpedia
Step 3 Β· Control
EMI Pro Calculator
Amortization Β· Prepayment Β· Tax Benefits Β· What-If Explorer
π·οΈLoan Type
π Home
π Car
π³ Personal
π Education
βΉ
βΉ
Monthly EMI
β
Total Payable
β
Principal
β
Total Interest
β
EMI Ratio
β
π Overview
π Amortization
πΈ Prepayment
π§Ύ Tax Benefits
π What-If
πPrincipal vs Interest β Yearly Breakdown
Yearly
Monthly
πOutstanding Balance Over Time
Balance reduces faster in later years as interest share shrinks β the power of long-tenure loans.
Not a SEBI-registered product. Tax deductions are indicative β consult a CA. EMI calculations assume flat interest rate. Β© 2026 Wealthpedia
Step 4 Β· Choice
Multi-Goal FIRE Planner
Sequential Funding Β· FIRE Β· Monte Carlo Β· Corpus Stress Test
βοΈCore Inputs
βΉ
βΉ
π Step-Up SIP
Annual SIP increase β Y1: βΉβ β Y5: βΉβ
π₯FIRE Mode
50
βΉ
π Equity Glide Path
Age FIREβ+10: 70% equity Β· +10β20: 50% Β· 20+: 30%
π° LTCG Tax 12.5%
On equity withdrawals after retirement
ποΈEPF / NPS / PPF
Enter projected corpus at retirement. These are guaranteed savings that directly reduce your FIRE gap.
βΉ
βΉ
Total Guaranteed Corpus
βΉ0
π 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.
π΅Passive Income After FIRE
Monthly passive income deducted from withdrawal need each year (grows with inflation). E.g. pension, rental, NPS annuity, consulting.
βΉ
π―Your Goals
FIRE Number
β
At 3.5% SWR Β· β years away
FIRE Age
β
Corpus Progress0%
ββ
Required SIP
β
to hit target FIRE age
Annual Savings
β
current SIP Γ 12
β‘Your FIRE Action Plan
Calculated from your numbers β not generic advice
πPortfolio Journey β Deterministic
πCorpus Sensitivity β SWR vs Inflation Rate
Highlighted = your settings Β· Values in Crores Β· β
π―Goal Funding Summary
| Goal | Monthly SIP* | Target | Projected | Today's Value | Status |
|---|
*Standalone SIP from βΉ0. Existing portfolio reduces actual SIP needed.
π²Retirement Corpus Stress Test
3,000 simulations Β· Real Indian market data 1990β2025 Β· Age 90 horizon
Why this matters: Markets crashed β51.8% 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 Β· 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. Β· Made with β€οΈ for India Β· Β© 2026 Wealthpedia Β· wealthpedia.in