Wealth Lab: SIP & Finance Calc

Planning your investments and retirement should be simple, clear, and stress-free. Wealth Lab is a dedicated financial planning and investment calculator suite built for investors, salaried professionals, and smart savers to calculate compounding returns and plan their financial future with confidence.

Whether you want to calculate your SIP returns, plan regular monthly income with an SWP, or structure your retirement using two-bucket and three-bucket strategies, Wealth Lab gives you accurate projections with easy-to-read charts, cashflow schedules, and built-in Indian capital gains tax estimates.

🚀 Available Tools

1. INVESTMENT PLANNING

📈 SIP Calculator (Systematic Investment Plan)
• Calculate future wealth from monthly mutual fund SIPs.
• Step-Up SIP: See how increasing your SIP by a fixed percentage each year accelerates your wealth creation.
• Adjust for inflation to see your real future purchasing power.

💰 SWP Calculator (Systematic Withdrawal Plan)
• Plan steady monthly cashflows from your mutual fund investments.
• Dynamic simulation shows exactly how long your corpus will last based on your withdrawal amount, expected returns, and taxation.

💵 Lumpsum Calculator
• Calculate compounding returns on one-time mutual fund or equity investments with flexible compounding frequencies.

⏳ Cost of Delay Calculator
• Discover the real financial cost of waiting. See how much wealth you lose by delaying your SIP by a few months or years.

🔮 Future Value (FV) Calculator
• Estimate what your current investments will be worth in the future at an expected rate of return.

2. RETURNS & ANALYSIS

📊 CAGR Calculator (Compounded Annual Growth Rate)
• Calculate the true annual growth rate of your mutual funds, stocks, gold, or real estate over any investment period.

📉 XIRR Calculator (Extended Internal Rate of Return)
• Calculate accurate annualized returns for irregular investments and multiple SIP or lumpsum cashflows.

📈 Absolute Growth Calculator
• Quickly find simple percentage gains and total returns between your initial investment and final value.

🪙 Present Value (PV) Calculator
• Calculate the current worth of a future sum of money based on a specific discount rate.

3. RETIREMENT PLANNING

🏖️ Two-Bucket Retirement Strategy
• Divide your retirement nest egg into two smart buckets: an immediate income bucket for regular expenses and a growth bucket for beating inflation.

🎯 Three-Bucket Retirement Strategy
• Structure your retirement across liquidity (Bucket 1 for cash needs), debt funds (Bucket 2 for medium-term stability), and equity (Bucket 3 for long-term growth).

⚖️ Yale Smoothing Rule (Endowment Spending Rule)
• Use the proven Yale spending formula to maintain steady retirement withdrawals while preserving your long-term capital.

🔥 Inflation Impact Calculator
• Discover how inflation erodes purchasing power and estimate future living expenses over 5, 10, 20, or 30 years.

✨ KEY HIGHLIGHTS

📊 Visual Charts: Clear, colorful charts that help you see your invested money versus your estimated wealth growth at a glance.
📅 Detailed Schedules: Year-by-year and month-by-month tables showing your balance, interest earned, withdrawals, and tax breakdown.
📄 Export PDF Reports: Save and share clean PDF summaries of your calculations with a single tap.
⭐ Favourites & History: Pin your most-used calculators to the home screen and review your past calculation history anytime.
🌗 Dark & Light Themes: Clean, high-contrast themes designed for easy reading day or night.
🔒 100% Private & Secure: No sign-up, no login, and zero tracking. All calculations run completely on your device so your personal numbers stay private.

Take the guesswork out of your financial planning. Download Wealth Lab and start growing your wealth with clarity today!