Stop guessing. See your retirement age, required corpus and monthly SIP in minutes.
All-in-one financial planning. No advisor calls. No data tracking. 100% private.
Medical & Education Inflation
Model healthcare and higher education inflation rates separately rather than flat assumptions.
Real Estate & Rental Yield
Simulate property purchases, rental income, and LTCG tax implications on your corpus.
Loans & Liabilities
Factor in Home, Car, and Personal Loans to ensure your timeline accounts for debt payoffs.
Children's Higher Education
Plan college and marriage expenses for up to 3 children with inflation-adjusted costs.
Unlock Freedom Pro
Everything you need for complete financial clarity.
- ✓ Compare 2 scenarios side-by-side
- ✓ Model property purchases, rental yield & LTCG taxes
- ✓ Account for Home, Car & Personal Loans
- ✓ Plan children's education & marriage (up to 3 children)
- ✓ Model medical & education inflation separately
- ✓ Simulate automatic portfolio rebalancing
- ✓ Export professional, shareable PDF plans
- ✓ All calculations stay on your device
Glimpse the Pro Pass Workspace
Interact with this real-time sandbox preview to see how Freedom Pro transforms your planning accuracy.
⚙️ Planning Sandbox
Interactive📊 Net Worth Curve Comparison
Interactive Workspace Activated
Currently displaying identical scenarios. Enable **Custom Inflation Mode** (Pro Pass) to see what happens when healthcare and education costs are modeled realistically.
Unlock Workspace Upgrade
Get comparative templates, LTCG tax rules, and custom inflation buckets.
Engineered for Advanced Wealth Modeling
Take your planning beyond basic calculations. Freedom Pro provides features designed to model real-world complexities.
Compare different scenarios side-by-side
Compare your base retirement plan against alternatives—like adding a side-gig or surviving an inflation shock—all layered on a single chart.
Account for Capital Gains Tax (LTCG)
Automatically calculate and deduct Long-Term Capital Gains tax (12.5% or custom) upon property sale so your net proceeds and cash flows are realistic.
Plan for higher medical & education costs
Standard calculators assume a flat inflation rate. Pro lets you apply different inflation rates to lifestyle (6%), children's education (10%), and healthcare (12%) so you never run out of money.
Protect your gains automatically
See how moving money between equity and debt each year helps you lock in stock market gains, buy the dips, and make your savings last years longer.
Download your clean, shareable plan
Get a clear, professional PDF report of your custom retirement plan, net worth curves, and year-by-year projections to review with your family.
100% Client-Side Data Safety
Your planning data never leaves your device. All files and configurations are stored locally in your browser.
Unlock Freedom Pro Workspace
Get complete comparative scenarios, LTCG tax modeling, and custom inflation buckets.
Free Edition
Basic single-path modeling
- ✓ Basic single scenario chart
- ✕ Multi-scenario overlay
- ✕ Property sale capital gains tax (LTCG)
- ✕ Medical & education inflation
- ✕ Rebalancing & PDF exports
Free basic planner
48-Hour Pro Pass
Free test drive of full comparative tools
- ✓ Side-by-side 2 Scenario Overlay
- ✓ Property sale capital gains (LTCG) tax
- ✓ High-res Chart & Report PDF Export
- ✓ Category Lifestyle vs Medical Inflation
- ✓ Portable offline backup files
Expires in 48 hours • No auto-charge
Is Freedom Pro Right For You?
Most users fall into one of these categories. See how Freedom Pro can help you plan with confidence.
Salaried Professional
You're asking:"Am I investing enough for retirement?"
- ✓ Calculate retirement age
- ✓ Find required corpus
- ✓ Determine ideal monthly SIP
Family Planner
You're asking:"Can I fund my children's education without compromising retirement?"
- ✓ Model education inflation separately
- ✓ Plan multiple child goals
- ✓ Stress-test long-term affordability
Investor & Wealth Builder
You're asking:"Which strategy leaves me with more wealth?"
- ✓ Compare multiple scenarios side-by-side
- ✓ Test rebalancing strategies
- ✓ Analyze LTCG impact on property sales
Future Home Buyer
You're asking:"Can I afford a house without hurting my future?"
- ✓ Model home loans
- ✓ Measure retirement impact
- ✓ Compare rent vs buy outcomes
Frequently Asked Questions
Q: Do you store my financial data?
No. All calculations run locally in your browser. Your data never leaves your device.
Q: Is this a subscription?
No. Pro Pass is a one-time purchase (for 30 or 90 days) with no auto-renewals or recurring charges.
Q: Will I receive marketing or advisory calls?
No. We do not collect phone numbers or generate sales leads.
Q: Do I need an account to use the calculator?
No, you can use the basic calculator without an account. However, an account is required to activate and access premium Pro features.
Q: Can I export my retirement plan?
Yes. Pro users can export professional PDF plans.
- ✓ No data uploads
- ✓ No advisor calls
- ✓ No phone numbers collected
100% Client-Side. 100% Private.
Your data never leaves your device. No databases. No trackers. No compromises.