The working instrument
FinMap: see your future clearly.
Net worth projection
Click a goal dot to reposition it
Wealth milestones
₹ 1 Cr
35 yrs
Achieved
₹ 5 Cr
42 yrs
₹ 10 Cr
47 yrs
₹ 50 Cr
64 yrs
₹ 100 Cr
79 yrs
Retirement planning
Earliest retirement (corpus only)
55 yrs
With post-retirement income
55 yrs
Required retirement corpus
Corpus needed at each retirement age to sustain expenses until 85.
Required savings ratio
Share of salary to invest, by retirement age and monthly expense.
| Retire at ↓ / Spend | ₹1.0L | ₹1.5L | ₹2.0L | ₹2.5L | ₹3.0L | |
|---|---|---|---|---|---|---|
| 40 | Not possible | Not possible | Not possible | Not possible | Not possible | |
| 42 | 99% | Not possible | Not possible | Not possible | Not possible | |
| 45 | 53% | 84% | Not possible | Not possible | Not possible | |
| 48 | 33% | 53% | 74% | 94% | Not possible | |
| 50 | 24% | 40% | 56% | 72% | 88% | |
| 55 | 11% | 20% | 29% | 38% | 47% | |
| 60 | 5% | 10% | 15% | 20% | 25% | |
Disclaimer: For educational purposes only. Not investment advice. Users agree that Finwisor, Jay Shah, and Jay Shah HUF shall not be liable for decisions based on this tool and agree to indemnify them against any related claims. Investment advice is offered by Finwisor Wealth Management, a separate entity registered with SEBI as an Investment Adviser (INA000022127). Finwisor is a distributor and does not provide investment advice.
The second instrument
Own property? Find out what it actually returned.
Rent, maintenance, stamp duty, the loan and the years it was held. XIRR, CAGR and net profit on a single property, with nothing sent to us.
Real estate return calculator
Your return (XIRR)
5.70%
Property CAGR
4.91%
Net profit
₹26.30 L
Years held
6
Total property cost₹90.00 L
Monthly EMI₹34.7K
Total EMI paid₹24.99 L
Interest paid₹19.03 L
Outstanding loan₹34.03 L
Rental income (5% yearly growth)₹18.37 L
Sale proceeds₹85.97 L
Capital gains tax₹3.75 L
Interest tax benefit (30%)₹5.71 L
What this model assumes
- Your return (XIRR) is the return on the cash you actually put in: downpayment, renovation and every EMI, against rent, the tax benefit and the net proceeds. Property CAGR is what the asset itself did, ignoring both the loan and the rent. Leverage and rent are why the first can sit above the second.
- Rental income is not taxed here, while capital gains are. Rent is taxable in India, so the figures read a little high.
- The interest tax benefit assumes a 30% slab under the old regime. Where rental yield is 0 the deduction is capped at ₹2 Lakhs a year, as for a self-occupied property. Under the new regime, the default since FY 2023-24, self-occupied interest is not deductible at all.
- Renovation counts as a cost but is not added to the capital-gains base, so tax is charged on a slightly larger gain than an accountant would compute.
- Rental yield is applied to the purchase cost rather than to current market value, and grown 5% a year.
- Selling costs, brokerage and exit stamp duty are not modelled. While “currently holding” is ticked, capital gains tax is shown as an if-you-sold-today figure even though nothing has been sold.
Disclaimer: For educational purposes only. Not investment advice. Users agree that Finwisor, Jay Shah, and Jay Shah HUF shall not be liable for decisions based on this tool and agree to indemnify them against any related claims. Investment advice is offered by Finwisor Wealth Management, a separate entity registered with SEBI as an Investment Adviser (INA000022127). Finwisor is a distributor and does not provide investment advice.
Numbers are the start of the conversation, not the end.
Bring your own figures. Fifteen minutes, no products, no pressure.
Book a discovery call