Scenario calculator

Private portfolio review

Check allocation, accessible reserves and assumed returns. Add optional cash income, goals, holdings and currencies for a deeper diagnosis.

Work with your own figures.
Your figures stay in this tab.

Scope & limits Sources checked 14 Oct 2026

Manual balances converted to INR using your own consistent exchange rates. No bank connection, OTP, investment recommendation or tax optimisation claim.

Informational estimate. Official sources checked; not professionally reviewed.

Your assumptionsStep 1 of 2

1Balances in INR

Cash and current / savings accounts

Deposits

Equity / funds

Investment property equity

2Net return assumptions

Cash return after tax (%)

Deposit return after tax (%)

Equity return after tax (%)

Property return after tax (%)

Additional annual portfolio fees (%)

Personal spending inflation (%)

Monthly essential spending

Review my portfolio more deeply

Optional reserve, cash-income, goal, holding and currency review. All main balances remain in INR. Added rows describe existing assets or future needs; they are not added to portfolio wealth. Partial holding coverage is labelled.

Include this detail in calculation

Deposits available immediately after penalties (INR)

Restricted deposits become usable at your age

Your chosen reserve target (months)

Annual portfolio cash income confirmed?

Annual portfolio cash income after tax (INR)

Main future spending currency

Portfolio outside spending currency (%)

Equity loss in stress (%)

Property equity loss in stress (%)

Foreign-currency loss in stress (%)

Existing holdings

Upcoming goals

Unresolved assumptions must be checked before acting. No financial figures are sent through these controls.

Examples use fictional figures.

Your scenario

Awaiting figures

Your comparison

Your entered asset balances

See where your money sits.

Balances
Returns & costs

Enter your figures, or load an illustrative example to see how the result works.

Review figures for the household retirement plan

Figure to review for the 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

Import saved inputs

Downloads contain your entered figures. Keep them private. Imported files are read in your browser and are not uploaded.

How to read this result

Use the result to see how your money is spread and how much may be available for short-term needs.
A projected investment gain is not cash you can spend. Property and restricted deposits may be hard to access quickly.
Check taxes, fees and withdrawal limits. The result uses your figures and does not verify your accounts or guarantee returns.

Calculation details and sources

Use comparable after-tax total-return assumptions for each asset class. The assumed annual return includes potential price gains and is not spendable cash income. Optional confirmed distributions are analysed separately. Fees must not be included twice.

Property is not counted as emergency liquidity. Deposits may have withdrawal restrictions, penalties or bank limits. The liquidity figure is a simple upper estimate, not a confirmed available balance.

This tool avoids needing bank access by using figures you enter. It does not bypass a bank’s geographic, security or account controls. Do not enter account numbers, passwords or identity documents.

Before you act

Check your figures and the rules that apply to you with a qualified adviser before making a decision.

Official sources

RBI: non-resident accounts World Bank: India CPI inflation

Recent changes relevant to this tool

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