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Category 13
Goal planning, insurance need, and core money maths.
9 TOOLS
Projects future college costs factoring specialized education inflation (8-10%) and solves for required monthly SIP
Calculates adequate term life cover: [(Annual Income - Personal Expense) × Annuity Factor] + Liabilities - Existing Assets
Unified multi-goal cashflow optimizer matching risk profiles, asset allocation, and tax-aware asset location
Computes true net IRR of traditional endowment/money-back policies after 1.90% expense drag and mortality charges vs MF
Projects inflation-adjusted cost for future wedding/major family milestone and determines monthly SIP
Calculates smoothed geometric mean return rate: (End Value / Beginning Value)^(1/Years) - 1
Excel-compatible dated cash-flow XIRR (actual/365) with Newton + Brent solvers, SIP and withdrawal support
Visualizes linear growth of simple interest vs exponential curve of compounding over 5-30 year horizons
Future Cost = Present Cost × (1+i)^n; Purchasing Power = Amount / (1+i)^n