Methodology

We version our calculators and document formulas and assumptions.

Common assumptions

• Inflation: 5% (IN) / 3% (US) editable
• SIP returns: scenario range ±2%
• SWR default: 3.5% for retirement modeling

Formulas

• Compound growth (future value), EMI amortization
• Debt priority: avalanche vs snowball comparisons

Calculator versions will be displayed on tool pages.