Disclaimer

the number is an educational workshop. It is not a SEBI-registered investment advisor, research analyst, or broker. Nothing here is registered investment advice, a solicitation, or a recommendation to buy or sell any security.

The maths is yours

Every calculator is arithmetic on the assumptions you type. Change the return, inflation, or withdrawal rate and the “number” moves. The popular 4% safe-withdrawal rule can fail in long poor markets. Past returns do not predict future ones.

What we omit

Taxes, exit loads, expense ratios, insurance, currency risk, and sequence-of-returns risk are omitted. EPF, NPS, and PPF lock-ins and annuity rules are ignored so the pots can sit in one number. House prices are a modest indicative corpus, not a quote. Real life is messier than a slider.

Guidance stays at category level

Optional allocation guidance names only asset-class sleeves (for example large-cap index or gold). It never names stocks, funds, AMCs, or tickers. If a language model is configured, its output is sanitised the same way. On failure we fall back to an on-device heuristic.

What we store

There are no accounts. Calculator inputs stay in your browser and are not written to a server. A theme cookie (theme=dark or light) remembers appearance. A region cookie (region=in or us) remembers India ₹ vs World $. There is no localStorage.

Not registered investment advice. For educational purposes only.