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Projections

Build your retirement plan in 9 simple steps

Answer a few simple questions — your income, expenses and big life goals. WealthGamma combines them with your real portfolio and projects your net worth year by year, till retirement and beyond. Takes about 5 minutes.

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Let's make a plan.

Plan name

Retirement Plan

Step 1

Your profile

Age, retirement target & horizon

Step 2

Life milestones

Home, kids, retirement — your timeline anchors

Step 3

Income & expenses

Everything that flows in and out

Step 4

Investments & assets

Where your surplus grows

Takes about 5 minutes. Everything can be changed later in the full plan.

Get Started →

Product shown with real example data.

9 steps, ~5 minutes

pre-filled from your portfolio

Milestones with money

home, car, crash — priced in

Monte Carlo

1,000 simulated market paths

Per-plan toggles

nothing re-typed, nothing deleted

Step 2 · Your profile

Set your age, retirement age
and planning horizon

Your date of birth, retirement age and life expectancy set the timeline for the whole plan. In this example: age 34, retiring at 55, planning till 70 — that's 21 earning years, then 15 years of retirement to fund.

Salaried or self-employed matters too: it changes how EPF, PPF and NPS are treated in your plan, and the engine handles it automatically.

Planning for

Single

Just me

Couple

Me & spouse

How do you earn?

Salaried

EPF & payslip

Self-employed

PPF & NPS instead

Both

Salary + business

Date of Birth

You are currently 34 years old

23/12/1991

Retirement Age

55 yrs

40When you stop earning — switches to drawdown75

Life Expectancy

70 yrs

60How far the projection runs110
MilestonesStep 3 of 9

Your Retirement

Anchor milestone

55

Your Life Expectancy

Anchor milestone

70

Home Purchase

₹1 Cr · financed

45

Vehicle Purchase

₹15L · financed

45

Market Crash Test

−40% · 4y recovery

40

Add milestone

Step 3 · Milestones

Add life milestones —
home, car, retirement

Mark your big life events at the age they'll happen: retirement at 55, a home and a car at 45. Income and expenses can link to them ("salary ends at retirement") — so if you change one milestone, the whole plan updates automatically.

You can even add a market crash test: drop the portfolio 40% at age 40 with 4 years to recover, and see if your plan still works.

Milestone financials

Plan a home purchase
with a real loan & EMI

Give a milestone real numbers: a ₹1 Cr flat at age 45, with ₹30L down payment and a ₹70L home loan at 8.5% for 20 years. The app calculates the EMI — ₹60,748 per month — grows the property value at 7% a year, adds property tax, and starts everything in the right year.

The down payment is funded by selling your own assets in a tax-smart order: cash first, then FDs, mutual funds and stocks.

A car purchase works the same way: ₹15L at 45, ₹5L down, EMI ₹20,758 for 60 months, plus fuel, insurance and servicing — with 15% depreciation per year.

Financial Impact — Home Purchase

New property + loan + recurring costs. Stays in this projection only — not added to Assets.

Asset details

Property Value

₹1,00,00,000

Appreciation %/yr

7%

Financing

Down Payment

₹30,00,000

Loan Amount

₹70,00,000

Interest Rate %/yr

8.5%

Tenure (months)

240

Monthly EMI

₹60,748/mo

Total cost

₹1,75,79,430

Down payment
+ 240 EMIs

Down-payment fund source

Auto — engine picks

Tax-aware cascade: cash → FD → MF → equity → …

Link to a goal

Pick sources manually

Recurring costs · Property Tax ₹20,000/yr · grows with inflation

Save financial impact

Step 4 · Assumptions

Set expected returns
for every asset class

Equity at 12%, mutual funds at 12%, FDs at 7%, gold at 8%, your car at −15% — every asset class gets its own expected return, and its own ups-and-downs range (volatility) that the Monte Carlo simulation uses.

That's why the result is a realistic range of outcomes — not one straight line that assumes markets return the same number every year.

AssumptionsStep 4 of 9

Inflation

6%

Equity / Stocks

12%±18%

Fixed Deposits / Debt

7%±2%

PPF / EPF / NPS

7.5%±1%

Gold

8%±10%

Real Estate

8%±5%

Cash & Savings

4%±0%

Vehicle

−15%±5%

Mutual Funds · equity & hybrid

Return
12%
Volatility
15%
IncomeStep 5 of 9

Sources of income.

Salary

Now → Your Retirement · +8% per year

₹10L

Side Hustle

Now → End of Plan · Fixed amount

₹1L

Add income

Step 5 · Income

Add income sources with
growth rates and end dates

A ₹10L salary that grows 8% every year and stops at retirement. A ₹1L side income that continues till the end of the plan. Each income source gets its own start, growth rate and end.

That's much closer to real life than one fixed "monthly income" box — because salaries grow, and they also stop.

Step 6 · Expenses

Give every expense
its own inflation rate

Living costs rise with normal inflation. School fees rise 10% a year and stop in 2040 when the kids finish. Health care rises 8%. Travel stays ₹50,000, twice a year.

Education and medical costs inflate much faster than 6% — using one inflation number for everything makes a projection wrong. Here, each expense has its own rate and end date.

ExpensesStep 6 of 9

Your expenses.

Living Expenses

Now → End of Plan · Matches inflation

₹5L

School Fees

Now → Jan 2040 · +10% per year

₹1L

Health Care

Now → End of Plan · +8% per year

₹30,000

Travel / Vacation

Now → End of Plan · Matches inflation

₹50,000 × 2

Add expense

InvestmentStep 7 of 9

Ongoing monthly investments · SIPs and scheme contributions

SIP

HDFC Flexi Cap Fund - Growth - Direct

₹25,000/mo
SIP

Nippon India Small Cap Fund - Direct

₹25,000/mo
PPF

PPF Account

₹3,333/mo
PPF

PPF Contribution

₹2,000/mo

Unallocated surplus

After existing commitments (₹3.64L/yr), you have ₹6k/yr (₹500/mo) not yet committed in this scenario.

MF / Equity withdrawal policy

When a deficit hits, may the engine sell your funds?

Use as last resort · cash and FDs go first — realistic for most plans

Never touch MF + Stocks · treat them as wealth, not a wallet

Never touch MF + Stocks + Gold/Silver · most conservative

Step 7 · Investment

Decide where your
monthly surplus goes

Your existing SIPs and PPF contributions appear automatically with checkboxes. Turn any of them off for this plan without deleting them from your portfolio. The app then compares your commitments with your surplus — here, ₹500/month is still unallocated.

You also set a clear rule for bad years: can the engine sell your mutual funds and stocks when money runs short — or should it never touch them?

Retirement income

Set automatic withdrawals
for retirement income

From age 60, this plan pays out ₹1,00,000 a month from the corpus, adjusted for inflation every year. EPF is withdrawn at 58. NPS follows the standard rule — 40% becomes an annuity, 60% comes as a lump sum.

You can also add SWPs (Systematic Withdrawal Plans): a fixed monthly amount pulled from a chosen bucket over an age range — the standard way to convert a corpus into monthly income.

Default Withdrawal Strategy

Withdrawals start

At age 60

Monthly withdrawal

₹1,00,000 · inflation adjusted

EPF withdrawal age

58

NPS at retirement

40% annuity · 60% lump sum

Systematic Withdrawal Plans (SWP)

Pull a fixed monthly amount from a bucket over an age range.

+ Add SWP

Annual ₹1.25L LTCG harvest

Each year in the range, realise up to ₹1.25L of tax-free long-term capital gains and reinvest — resets cost basis for future tax savings.

Tax-free limit

₹1.25L/yr

Sold & rebought

Same day

Tax later

Lower

Runs every year inside the projection — no reminders, no spreadsheets.

Tax harvesting

Harvest tax-free LTCG
every year, automatically

Long-term capital gains on equity are tax-free up to ₹1.25 lakh per year — but only if you use it. Turn on LTCG harvesting and the engine sells just enough equity each year to realise that tax-free gain, then reinvests it immediately.

Your cost basis resets higher every year, so decades later you pay far less capital gains tax when you actually need the money.

Built-in checks

Surplus advice and insurance
gaps, checked automatically

The allocation coach watches your unallocated surplus and suggests where it works hardest. Here: top up PPF to ₹3,833/month — it earns 7.1% tax-free and counts toward the ₹1.5L Section 80C deduction.

The insurance check compares your expenses and loans with your cover. This plan is missing a ₹1.49 Cr term insurance plan, and at age 34 needs at least ₹10L of health cover.

Allocation coach · Top up PPF to ₹3,833/mo

PPF earns 7.1% tax-free and counts toward your ₹1.5L Section 80C deduction. You're ₹9,167/mo below the cap.

Term life cover

Gap found

Cover needed ₹1.49 Cr (expenses + loans) · existing cover ₹0. Consider a term plan of at least ₹1.49 Cr.

Health cover

At age 34, recommended minimum is ₹10L — family floater or individual plan.

Step 8 · Real assets

Include or exclude property,
gold and vehicles

Your real assets are listed with realistic numbers — the flat grows 6% a year and carries its ₹43,391 EMI, the shop earns ₹15,000 rent, and the car loses 15% a year, like real cars do.

Toggle each asset in or out per plan. This example excludes all six — to test whether the investment portfolio alone can fund retirement. Nothing gets deleted from your portfolio.

Real assetsStep 8 of 9

Car

Vehicle · −15%/yr · 2 costs

₹17L

Physical Gold (24K)

Gold

₹7.48L

Sovereign Gold Bond 2024

Gold

₹2.25L

Flat - Ahmedabad

Real Estate · +6%/yr · Financed · EMI ₹43,391/mo

₹72.05L

Gold Jewellery (22K)

Gold

₹5.48L

Shop - Rajkot

Real Estate · +5%/yr · ₹15,000/mo rent

₹42L

Toggles are scoped to this plan — nothing is deleted from your portfolio.

Step 9 · Review & Run

Review your cash flow,
then run the plan

One summary before the engine runs: ₹11L income − ₹0 tax − ₹7.3L expenses & EMIs = ₹3.7L a year available to invest. Future EMIs — the home and car loans that start at 45 — are listed too, so you see what's coming before it hits.

Gross income

₹11L/yr

− Tax

₹0/yr

− Expenses + EMI

₹7.3L/yr

Available to commit

₹3.7L/yr

Your commitments fit within budget. The engine has ₹6k/yr left over for cash savings.

Home Purchase @ 45

EMI ₹60,748/mo × 240

+ ₹1,667/mo recurring · down ₹30L

Vehicle Purchase @ 45

EMI ₹20,758/mo × 60

+ ₹12,917/mo recurring · down ₹5L

Fixed monthly commitments (active) ₹3.64L/yr

Finish Setup

Auto events

FD and PPF maturities are
added automatically

Some events you never have to type in. Because the engine reads your real portfolio, it already knows the SBI FD matures at 35 and PPF matures at 48 — and from your plan, that school fees end at 48 and salary ends at 55.

Each one is marked on the projection chart in the right year, so you can see exactly why the line bends where it does.

Auto events on this plan's timeline

FD Maturity: SBI FD - 3 Year

Age 35

PPF Maturity

Age 48

Final year: School Fees

Age 48

Final year: Salary

Age 55

Detected from your portfolio and plan — nothing typed in.

The result

See your net worth projected to age 70

The engine calculates every year of your life — investment growth, taxes, EMIs, milestones, retirement withdrawals — once with expected returns, and 1,000 more times with realistic market ups and downs. This is the actual result of the plan above:

WealthGammaPapaSearch…⌘KH
DashboardHoldingsAssetsTransactionsSIP PlansLiabilitiesGoalsPlansTax PlannerSupportSettings

Dashboard › Plans › Retirement Plan

Retirement PlanPlanCash FlowTax AnalyticsSettingsPlans ▾⟳ Regenerate+ Add plan
⚠Your plan survives on average — but in bad markets your money runs out at age 70In the worst 10% of the 1,000 simulated futures, assets hit zero before your life expectancy. Turn on "Market range" on the chart to see the downside band.
How much can I safely spend?Finds the monthly lifestyle your plan can sustain for life.Find out
When could I retire?Finds the earliest age your money lasts to life expectancy.Find out
Net WorthToday's ₹NominalMarket rangeRange: Near-termFull Life

Band = range across 1,000 simulations · dashed = median

₹0₹50.0 L₹1.00 Cr₹1.50 Cr₹2.00 Cr₹2.50 Cr₹3.00 Cr₹3.50 Cr₹4.00 Cr₹0₹1.00 Cr₹2.00 Cr₹3.00 Cr₹4.00 Cr₹5.00 Cr₹6.00 CrNet Worth (₹)
Now
34384246505458626670

Age

You 342026
Today's ₹Nominal

Inflation-adjusted, real purchasing power

Net Worth₹78.61L
Assets Breakdown▾₹78.61L
Liquid Net Worth₹78.61L
Withdrawals₹0
Income▾₹11.00L
Expenses▾₹7.30L
Taxes₹0
Effective Tax Rate0.0%

Cash Flow

Where every rupee flows in a single year — inflows, taxes, spending and what gets invested.

Age 34 · 2026

Total Income

₹11L

Taxes

₹0

Expenses

₹7.3L

Invested (SIP)

₹3.64L

To cash savings

₹6,000
Salary ₹10LSide Hustle ₹1LEarned IncomeOther InflowsInflowsExpenses ₹7.3LInvestments ₹3.64LCash SavingsHealth Care ₹1LLiving Expenses ₹5LSchool Fees ₹1LTravel / VacationMutual Funds (SIP)PPF ContributionCash Savings ₹6,000

Drag the slider to scrub through years. Inflows on the left flow into outflows — tax, expenses, debt, investments and cash — on the right.

Live demo — the real projection page, same plan, same numbers.

Before you sign up

Do I have to type my portfolio into the wizard?

No — that's the point. Your SIPs, PPF contributions, assets, loans and EMIs are already in WealthGamma, so the wizard arrives pre-filled. You add what the portfolio can't know: income, expenses and milestones. Each plan gets its own toggles, so excluding an asset from one scenario deletes nothing.

What actually happens when the Home Purchase milestone fires?

The year you hit the milestone age, the engine raises the down payment by selling your actual assets — tax-aware, cheapest first: cash, then FDs, then mutual funds, then stocks. The loan starts, the EMI enters your cash flow for its full tenure, recurring costs like property tax begin and grow with inflation, and the house itself appreciates at the rate you set.

What's the difference between the single line and the Monte Carlo band?

The deterministic run uses your expected returns — equity at 12%, FDs at 7% — every single year. Monte Carlo replays the same plan through 1,000 simulated market paths using each class's volatility (±18% for equity, ±2% for FDs), and shows the band of outcomes. A straight line tells you what you hope; the band tells you what to plan for.

How does the plan handle taxes?

Year by year, inside the projection: income tax on salary and business income under your chosen regime, tax on FD interest, and capital gains when the engine sells assets to fund a milestone or your retirement. Tax isn't a footnote — it's a line in every year's cash flow.

What happens after I stop earning?

The plan switches to drawdown. Your withdrawal strategy decides the details: when withdrawals start, how much per month (inflation-adjusted), which buckets get tapped first, and whether the engine may sell mutual funds and stocks at all — or must treat them as untouchable and live off cash, FDs, PPF and rent.

Can I test a market crash?

Yes — it's a milestone. Market Crash Test drops your portfolio by a percentage you choose at an age you choose (this plan: −40% at 40) and gives it a recovery period. If the plan still funds retirement after that, it's a plan. If it only works in a bull market, better to know now.

Everything included

  • 9-step setup wizard — about 5 minutes, pre-filled from your portfolio
  • Milestones with financial impact: price, loan, EMI, recurring costs
  • Down payments raised tax-aware: cash → FD → MF → equity
  • Per-class return and volatility assumptions you can argue with
  • Income with growth rates and milestone-anchored end dates
  • Per-expense inflation: match it, set your own, or none
  • Scenario-scoped toggles — exclude a SIP or asset from one plan only
  • Auto events on the timeline: FD maturity, PPF maturity, income ends
  • Withdrawal strategy, SWP plans and ₹1.25L LTCG harvesting
  • Market-crash stress test: −40% drop, recovery period you choose

Explore the rest of the product

Net-worth tracking

The real portfolio every projection starts from

Learn more

Goals & family

Every member and milestone, funded on purpose

Learn more

Tax engine

FIFO lots, LTCG/STCG and harvesting, per PAN

Learn more

Plan a future yourfamily will love

See your wealth clearly, project it decades ahead, and chart your course to the life you're working for — starting tonight.

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