Scenario calculator
Lifestyle inflation calculator
See how spending each pay rise affects your future savings.
Work with your own figures.
Your figures stay in this tab.
Scope & limits Sources checked 14 Oct 2026
An illustrative take-home-income and spending model. Change currency by entering all money figures consistently; display labels remain INR.
Informational estimate. Official sources checked; not professionally reviewed.
Your scenario
Awaiting figuresInvested savings at your chosen horizon
Choose how much of a pay rise becomes spending.
- This month
- Future choices
Enter your figures, or load an illustrative example to see how the result works.
Review figures for the household retirement plan
Nothing is merged automatically. Review value, currency, timing and existing plan before applying. This stays in the current tab.
Save or import a scenario
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How to read this result
- Compare how much you could save if you spend more or less of each pay rise.
- Rising prices reduce what your income can buy. If prices rise faster than income, your budget may become harder to afford.
- Try a spending level you can maintain. Investment growth is an assumption, and unexpected costs are not included.
Calculation details and sources
The proportional path keeps spending at the same share of income. The planned path first increases today’s budget with inflation, then spends your chosen share of additional real income.
Saving a percentage of each pay rise can increase your savings rate. If income grows more slowly than prices, there may be no increase in real income to allocate; planned spending can exceed income.
Investment growth is a fixed after-tax assumption. Contributions occur at year end. This comparison excludes debt interest and uneven life events, and it is not a return promise.
Before you act
Check your figures and the rules that apply to you with a qualified adviser before making a decision.