Plan your whole life in money, not just next month
Big life decisions rarely happen one at a time. A home loan arrives just as a child is born, a career jump pays for the car, and a career break stretches your savings. The Life Money Simulator puts these events on one timeline so you can see their combined effect on your net worth and your savings, and whether the money lasts.
How to use it
- Enter what you take home each month, what you spend, and what you have saved.
- Switch on the life events that may apply and set the age each one happens.
- Read “Your plan in plain English”. If your money runs out, it tells you when, why, and what would fix it.
- Flip to Today’s money to judge results in familiar rupees.
What the two lines mean
The blue line is your net worth: savings plus home value minus any loan. The green line is just your savings. A big gap means much of your wealth is locked in a house, which is fine as long as the green line stays above zero when you stop working.
Frequently asked questions
Should I enter monthly take-home or yearly gross pay?
Whichever you know better. Monthly take-home is what reaches your bank account. If you choose yearly gross pay (your CTC without employer PF and gratuity), the simulator works out the tax for you using the new regime.
What is financial freedom age?
The first age at which your savings could cover a year of your spending by withdrawing 3.5% a year, so you could stop working without running out of money.
Why are prices in today’s rupees?
Because that is how you think about money. A ₹10 lakh wedding today will cost more in ten years, so the simulator inflates it to the year it happens.
What happens if my savings run out?
The simulator stops the chart at that age and tells you the shortfall and what would fix it, such as spending less, retiring later or skipping the biggest event.