🚀 Getting Started

1. Set your Profile — Enter your age, retirement age, withdrawal start age, and monthly expenses. This drives all projections.
2. Add Holdings — Add your current investments (MF, Stocks, EPF, NPS, PPF, FD, Gold, Land etc.).
3. Add Expenses — Break down your monthly expenses by category for inflation-adjusted projections.

💼 Holdings & SIPs

For Mutual Funds, select an investment strategy (Aggressive/Growth/Balanced/Conservative) and optionally add a monthly SIP with annual step-up. Works just like EPF/NPS contributions.

EPF earns 8.25% until age 58, then 100% tax-free withdrawal. NPS earns ~10% until 60, then 60% lump sum + 40% annuity.

📈 Wealth Forecast

The chart shows your corpus growth from today to plan end. Use scenario pills (Conservative/Moderate/Aggressive) to stress-test your plan. Market-linked returns are scaled by the multiplier; fixed-rate assets (PPF, EPF, FD) are unaffected.

💰 Retirement Income Phase

After your retirement income start age, Nidhi simulates systematic withdrawals (SWP) that grow with inflation. NPS annuity offsets withdrawals automatically. The goal is perpetual income — corpus lasting beyond your plan end age.

💧 Money Flow Sankey

Visualizes how your invested capital and returns flow through corpus pools into retirement withdrawals and legacy. Click the header to expand/collapse.

📊 Expense Analyser

Each expense category inflates at its own rate. Healthcare (10%/yr) and education (11%/yr) grow much faster than housing (5%/yr). The analyser shows projected expenses at milestone ages.

⚙️ Settings

Download JSON backs up your data. Load JSON restores it. Reset clears everything. All data is stored locally in your browser — nothing is sent to any server.