Why Most Calculators Are Lying to You

Seeing “₹1 Crore” on a screen feels good. But does ₹1 Crore in 20 years buy the same things it buys today? No.

Most calculators show you the nominal value of your money. The Wealth Nerve Pro Calculator is different. It is designed for the smart investor who wants the truth.

We have combined four powerful engines into one dashboard to help you answer the big questions:

  1. SIP & Inflation: What is my money actually worth in real purchasing power?
  2. Step-Up: What happens if I increase my investment as my salary grows?
  3. Lump Sum: How much will my bonus grow?
  4. Tax Estimator: How much will the government take? (Updated for FY 2024-25).
WEALTH NERVE PRO
SIP
Step-Up
Lump Sum
Tax Estimator
% (Avg Inflation)
Calculates what the money is worth in TODAY’s value.
⚠️ Notice: Tax calculations are optimized for Indian Tax Laws (FY 24-25). Please select INR (₹) in the top menu for accurate tax estimates.

How to Use This Tool

1. The "Real Value" Switch (Inflation)

In the SIP Tab, you will see an option to "Adjust for Inflation."

  • The Problem: If you save ₹1 Crore over 20 years, but inflation is 6%, that ₹1 Crore will only feel like ₹30 Lakhs today.
  • The Solution: Enter the expected inflation rate (avg. 6% in India). The tool will show you the Real Value—amount in today's terms. This helps you set realistic goals.

2. The Step-Up Secret

The biggest mistake investors make is keeping their SIP amount fixed for 10 years.

  • How it works: If you start with ₹5,000 and increase it by just 10% every year (Step-Up), your final corpus can be double that of a standard SIP.
  • Use the Step-Up Tab to simulate this growth.

3. The Tax Reality Check (New!)

Investment returns are not all yours; the taxman gets a share.

  • Updated for FY 2024-25: We have integrated the latest Indian Union Budget rules.
  • Equity Funds: Calculates the new 12.5% LTCG (Long Term Capital Gains) on profits above ₹1.25 Lakhs.
  • Debt/FDs: Allows you to select your specific Tax Slab (e.g., 30%) for accurate estimation.
  • Note: Switch the Currency Selector to INR (₹) to activate Indian Tax Rules.

Frequently Asked Questions (FAQ)

Q: Can I use this for US or European stocks? A: Yes! Use the Currency Dropdown at the top right of the tool to switch between INR (₹), USD ($), EUR (€), and GBP (£). However, please note that the "Tax Estimator" is optimized specifically for Indian tax laws.

Q: Why is the "Real Value" lower than the Maturity Value? A: "Maturity Value" is the number you will see in your bank account in the future. "Real Value" is what that money can buy today. We show you both so you don't underestimate your retirement needs.

Q: Is the tax calculation legal advice? A: No. While we use the latest tax brackets (FY 24-25), tax laws are complex and subject to surcharges, cess, and individual financial situations. Use the Tax Estimator as a guide to see your net profit, but always consult a Chartered Accountant for filing.

💡 Pro Tip for Wealth Nerve Readers

Don't just aim for a number. Aim for a "Real Value" number. If you need ₹50 Lakhs for a house today, use the inflation toggle to find out how much that house will cost in 10 years, and aim for that amount.