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.
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
At age55
Your Life Expectancy
Anchor milestone
At age70
Home Purchase
₹1 Cr · financed
At age45Impact set
Vehicle Purchase
₹15L · financed
At age45Impact set
Market Crash Test
−40% · 4y recovery
At age40Impact set
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. It's 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. The engine reads your real portfolio, so 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:
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
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
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
Which app is good for retirement planning in India?
WealthGamma builds a retirement projection from the holdings, SIPs, loans and EMIs you already track. You add income, expenses and milestones, and it projects your net worth to the age you choose across 1,000 simulated market paths, with tax counted every year.
Can it show whether I can retire early?
Yes. Change the retirement age in a plan and WealthGamma reruns the projection, showing whether the plan still funds your retirement years. Each plan is saved as its own scenario.
Does the retirement projection include FDs, PPF and property?
Yes. FD and PPF maturities are added to the plan automatically. Property, gold and vehicles can be included in a plan or left out of it.
Are projections free?
The Free plan includes 1 retirement projection. Investor allows 3 and Wealth Pro is unlimited. Best and worst case simulations are part of Wealth Pro.
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 and 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