Build unshakeable wealth, the dharmic way.
A complete 15-year financial operating system for the Indian professional. From ₹12 L to ₹1 Cr+ corpus with clarity, discipline and freedom of choice.
Your Wealth, Calculated
Enter your details. See your future.
Built for the Indian professional under the new tax regime. Every number updates live.
Equity-oriented mutual funds have historically delivered 10–13%.
Why 70%? New regime + Indian PF & professional tax average around 28–32%.
Start a ₹14k/month SIP today and step it up 10% every year to cross ₹1.16 Cr in 15 years — comfortably past the ₹1 Cr+ mark.
The Four Pillars
Saving · Investing · Protection · Tax
Master these four and the next fifteen years of money take care of themselves.
The 50 · 30 · 20 Rhythm
Spend with intention. Save without thinking.
- 50% Needs — rent/EMI, food, utilities, transport
- 30% Wants — travel, dining, hobbies, gifting
- 20% Save & invest — emergency fund + SIPs
- Automate everything on payday — willpower is finite
Compound the Boring Way
Index + quality + step-up. No FOMO.
- Large-cap SIPs — SBI Bluechip, ICICI Bluechip
- Mid-cap + Nifty Next 50 for the growth kicker
- 10–15% in 6–8 quality stocks held for a decade
- Step-up SIP 10% every year — non-negotiable
Insure Before You Invest
One illness shouldn't undo ten years of work.
- ₹1 Cr pure-term life cover (no ULIPs)
- ₹10–20 L family floater health insurance
- 6 months of Needs as a liquid emergency fund
- 5–10% in Sovereign Gold Bonds for hedging
Keep What You Earn
₹2–4 L saved every year, compounded for life.
- 80C ₹1.5 L — PPF · EPF · ELSS · home loan principal
- 80CCD(1B) ₹50k — extra NPS deduction
- 80D ₹25k — health insurance premium
- 24(B) ₹2 L — home loan interest
Avoid these four and you are already ahead of 90% of your peers.
- Lifestyle inflation — spending up as salary grows
- Luxury car loans and gadgets on EMI
- Crypto, penny stocks, F&O gambling, Ponzi schemes
- Impulse shopping and weekly dining-out drift
Your Trajectory
Where your income could be by 45
Live projection from your current CTC above. Updates as you change inputs.
From ₹12.00 L today
Assumes ~13.5% annual growth via promotions & switches
| Year | Projected CTC |
|---|---|
| 2026 | ₹12.00 L |
| 2027 | ₹13.62 L |
| 2028 | ₹15.46 L |
| 2029 | ₹17.55 L |
| 2030 | ₹19.91 L |
| 2031 | ₹22.60 L |
| 2032 | ₹25.65 L |
| 2033 | ₹29.12 L |
| 2034 | ₹33.05 L |
| 2035 | ₹37.51 L |
| 2036 | ₹42.57 L |
| 2037 | ₹48.32 L |
| 2038 | ₹54.84 L |
Portfolio
Three Horizons, One Strategy
Right asset for the right time-frame. Boring, balanced, unshakeable.
0–5 years
Short Term
Capital protection. Liquidity over returns.
- Liquid / FD60%
- Sovereign Gold Bonds20%
- Arbitrage / Short-debt funds20%
6-month emergency fund + ₹1 Cr term + ₹20 L health.
5–15 years
Medium Term
Growth with discipline. SIPs do the heavy lifting.
- Large-cap & Index50%
- Mid & flexi-cap30%
- Quality direct stocks20%
Aim for a rental property between 35–40 for passive income.
15+ years
Long Term
Tax-free compounding. The quiet ₹10 Cr engine.
- Equity SIPs (stepped-up)60%
- PPF + EPF25%
- NPS15%
Goal: ₹10–15 Cr corpus by 55. Choose work, not chase it.
Milestones
Three Checkpoints to ₹10 Cr
Not a finish line — a quiet rhythm of compounding through your most productive years.
Foundation Built
Own your first house · 6-month emergency fund · ₹40–60 L invested · clean insurance stack.
Wealth Compounding
₹2–3 Cr net worth · rental income flowing · spouse & kids financially secured.
Freedom of Choice
₹7–10 Cr in assets · semi-retirement ready · working only on what matters.
"At 45, you'll be at ₹7–10 Cr — and choosing your work, not chasing it."
Start your ₹20,000 SIP today.
Build the emergency fund. Optimise tax. Buy your first house between 35 and 40. The dharmic path to wealth is quieter — and it always arrives.