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🧪 CALCUTOOLS SCENARIO LAB

Compare planning scenarios

Put different assumptions side by side without declaring a universal winner. Use the same inputs for each scenario, then inspect where the results diverge.

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Scenario inputs

Create up to four scenarios. Results stay in this browser and can be exported as JSON for your own records.

Your scenarios

These are calculations under the assumptions you entered, not recommendations.

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Add a scenario to start comparing.

How to read the comparison

Monthly surplus = income − essential expenses − existing debt/EMI − housing cost − contribution.

Projected value uses the entered return assumption and regular monthly contribution. It is a mathematical projection, not a guaranteed return.

Inflation-adjusted value discounts the projected nominal value using the entered inflation assumption.

Goal gap compares the inflation-adjusted projected value with the goal amount entered in today's rupees.