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Personal Wealth & FIRE Calculator
✦ Total Net Wealth (Assets − Liabilities)
₹0
₹0.00 L
(Apps + Bank Accounts + EPF + Gold & Silver + Vehicles) − Total Outstanding Loans
Total Portfolio Gain
+₹0 (+0.0%)
Total Invested
₹0
Apps Current
₹0
EPF Balance
₹0
Bullion (Gold & Silver)
₹0
Vehicles (Assets)
₹0
Bank Accounts (Cash)
₹0
Loans (Liabilities)
−₹0
Annual SIP Outflow
₹0
📊 Core Parameters & Savings Run-Rate
Wealth & Total Invested are auto-computed live
Wealth (Net Worth)
Assets − Loans (Liabilities)
Total Invested Amount
Sum of all capital contributed
Nominal CAGR %
Historical equity blended rate
Inflation %
Actual India CPI: 4.82% (Aug 2026)
Real Return: 5.7%
Monthly SIPs (₹)
Ind + Groww + Paytm + Gold + EPF
Daily SIPs (₹)
Gold Daily + Silver Daily
Annualized Investment (₹)
Monthly Run-rate: ₹0
🎯 FIRE Milestone Projections
Nominal (at CAGR) vs Real (Inflation-Adjusted) Time to Target
📱 All Apps & Brokerages
Invested: ₹0 • Current: ₹0 • Gain: +₹0
🏦 Savings Bank Accounts (Liquid Cash)
Total Bank Cash: ₹0 • Monthly Salary Inflow: +₹0/mo
🛵 Vehicles (Physical Assets)
Asset values sum into Wealth
Total Vehicles Asset Value
₹2.74 L
💳 Liabilities & Loans
Subtracted from assets to find true Net Wealth
🏛️ EPF (Employee Provident Fund)
EPF adds directly into your Wealth
Total EPF Balance (₹)
₹0.00 L
🪙 Precious Metals (Gold & Silver)
Current values add into Wealth
🔄 Systematic Investment Plans (SIPs)
Active Recurring Investments
💼 Salary Slip & Take-Home Breakdown
Gross: ₹1,92,061/mo • Deductions: −₹30,732/mo • Net In-Hand: ₹1,61,329/mo
💵 Net Monthly Take-Home Pay (Credited to Bank Account)
₹1,61,329 ₹1.61 L / mo
Gross Earnings (₹1,92,061) − Deductions (Employee PF: ₹8,421 + TDS Tax: ₹22,311)
Net Annual In-Hand (without bonus)
₹19,35,948 / yr
With Annual Bonus: ₹21.96 L / yr
🛒 Monthly Living Expenses
Total: ₹53,500/mo (₹6.42 L/yr) • 11 Items
📊 Monthly Cashflow & Salary Allocation
Fixed Monthly Pay − Living Expenses − SIPs = Regular Bank Surplus
💼 Net In-Hand Salary (Take-Home)
₹1,61,329
Take-Home: ₹19.36 L/yr • CTC: ₹25.65 L
🛒 Monthly Expenses (−)
−₹53,500
31.1% of Fixed Pay • ₹6.42 L/yr
🔄 Bank SIP Investments (−)
−₹12,742
7.9% of In-Hand • ₹1.53 L/yr
🏦 Regular Bank Surplus (=)
+₹88,977
51.7% of Fixed Pay • +₹10.68 L/yr
🎁 Annual Bonus Booster:
+₹2,60,292 credited annually (boosts total annual bank savings to +₹13.28 L/yr)
+₹2.60 L Annual Lump Sum
Fixed Monthly Pay Allocation
Regular Savings Rate: 68.9% (+ Bonus Booster)
Living Expenses: 31.1%
SIP Wealth Investments: 17.2%
Regular Bank Savings: 51.7%