Planning without false certainty
Good financial planning turns vague intentions into measurable targets: how much to save, by when, and what rate assumptions you are using. Calculators make assumptions visible so you can stress-test them.
Capitallytics pairs planning calculators with goal tracking and portfolio/net-worth context. Plans stay educational estimates — markets, taxes, and life events change outcomes.
Retirement and FIRE in the same OS
Retirement calculators estimate corpus needs; FIRE tools explore lean/fat independence timelines. Use both as scenario tools, then track savings rate and investments in the live workspace.
For Indian investors, SIP and PPF calculators complement retirement planning; global investors can model in USD or other base currencies.
How the goal planner works
Each goal has a target in today's money, a target date, an inflation rate and an assumed return. The planner inflates the target to the date you need it, grows any savings you have linked to the goal, and works out the monthly SIP that closes the remaining gap, assuming each instalment is invested at the start of the month.
It then shows how much of the goal is on track from what you already hold and already invest, and the monthly gap between the SIP you need and the one you have. If the date has already arrived, the goal is marked due and the whole remaining amount is shown as the gap rather than spread over months that no longer exist.
Planning beyond savings goals
A plan also needs protection and tax in view. The insurance check compares your term cover with a suggested amount based on income, outstanding loans and liquid investments, and compares health cover with a family-size and city-based guide; it shows the gap only and never names an insurer. The tax planner estimates income tax under both regimes and lays out advance-tax dates where they apply. It is for planning only and does not file returns.
What if lets you test single changes against your own data: prepaying a loan, raising a SIP for a goal, or taking on a new EMI, and shows what each does to interest, goal dates, cash flow and your health score.
Common planning mistakes
Planning in today's prices is the most common error: a ₹20 lakh education goal ten years away needs far more than ₹20 lakh. Others are assuming a high return to make the monthly figure look affordable, and counting the same savings towards two goals. Linking each asset to one goal and keeping return assumptions modest avoids all three.