See the life your salary actually buys.

Five numbers worth knowing

Based on your pay today.

Your story, year by year

Tap a line to jump to that year.

Each dot in the grid is 1% of that month's pay.

Pay, year by year

Net worth

The home

Land

Investments

Spending money

Every year in one table

Click a row to jump to that year. Monthly figures are the average for that year. Download as CSV

Where the numbers come from

Defaults you can change are in the panel on the left. These are the figures behind them.

How it is worked out

• The model runs month by month in today's rupees. Raises, investment returns and property prices are all reduced by inflation, so a 9% raise with 5% inflation is a real raise of about 3.8%. "Future rupees" multiplies each year back up by inflation.
• Pay starts at your figure, rises by the yearly raise, and jumps to the next level's median on promotion (or by 10% if you already earn more). The first promotion comes after the gap you set and each later one takes a year longer.
• Income tax is the new regime for FY 2026-27: ₹75,000 standard deduction, slabs to 30%, no tax up to ₹12 lakh of taxable income, surcharge of 10%, 15% and 25% with marginal relief, and 4% cess. Slabs are assumed to keep pace with inflation. Professional tax is included where the state charges it. PF is not modelled.
• Pay by level is total compensation including stock. Stock vests over years and its price moves, so real cash flow is lumpier than shown.
• The home is bought in the first month when two things are true: investments cover the down payment, stamp duty and six months of living costs, and the EMI is within your limit. The loan runs 20 years at a fixed rate with a standard amortisation schedule. Maintenance, property tax and interiors are not included.
• The land fund earns no real return while it waits. A 1,200 sq ft plot is bought, with stamp duty, each time the fund covers one.
• The bike and the car are paid for in cash from the share of spending money you set aside, the bike first. They are not counted in net worth because they lose value.
• Balances are shown as they stand at the end of each year.
• What-if events: a wedding or medical bill is paid from investments; a child and parents add a monthly cost; a layoff removes pay for the months you set; a job switch lifts pay three times, three years apart; a crash cuts investments, which then climb back to their old path over three years.
• Investments compound monthly. "After tax if sold" applies 12.5% long-term capital gains tax plus cess on gains above ₹1.25 lakh, as if everything were sold in one year.
• "Work becomes optional" is the year investments reach 25 times your yearly living and housing costs.
• Property rates are asking prices from portals and consultancy reports. Registered sale prices are usually lower.
• This is a planning aid, not financial advice. Partner buttons are demo slots; details typed there stay in this browser.

What if life happens?

Switch on the things you expect, or fear. The whole plan, on every screen, is recalculated with them.

Same you, five cities

Same you, five companies

Each run starts at that company's entry-level median pay and climbs its own ladder. Click a row to switch to it.

You against a friend

Ask a friend to make their plan and send you its link (Share, then Copy link). Paste it here.

Share your future

The picture shows the year you have selected. Pick the year you are proudest of, then share.