Free Calculators — Sukhanidhi

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Every year you wait is a year of compounding you never get back.

See exactly what postponing your investing plan by a few years costs you at your goal horizon — in real rupees, not vague advice.

Monthly investable amount ₹25,000

₹5,000₹2,00,000

Assumed annual growth rate 12%

6%16%

Years to your goal 20 years

5 yrs30 yrs

Delay before starting 3 years

1 yr10 yrs

Starting 3 years late costs you

₹0

at your goal horizon — money that simply never gets the chance to compound.

Corpus if you start today₹0

Corpus if you delay₹0

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Illustrative calculation only. The growth rate is an assumption you control — it is not a promise, guarantee, or estimate of actual returns from any Sukhanidhi service. Actual investment outcomes depend on market conditions and are subject to risk. This tool does not constitute investment advice. Prepared by Sukhanidhi Investment Advisors, SEBI RIA INA200015246.

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What is your advisor's commission actually costing you?

Most investors never add up what their MFD, bank RM, or PMS trail commission costs over the years. Compare it against a flat, fee-only structure.

Current portfolio value ₹50,00,000

₹10L₹2Cr

Estimated commission / trail 1.5%/yr

0.5%2.5%

Flat annual fee instead ₹30,000

₹15,000₹1,00,000

Time horizon 15 years

5 yrs25 yrs

Total commission drag over 15 years

₹0

more than a flat fee-only structure would have cost over the same period.

Total paid — commission model₹0

Total paid — flat fee model₹0

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Illustrative calculation only, using a simplified compounding model with the commission rate and 10% assumed corpus growth. Actual commission structures, expense ratios, and returns vary by product and provider. This tool does not name or make claims about any specific fund, distributor, or provider. Prepared by Sukhanidhi Investment Advisors, SEBI RIA INA200015246.

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How much of your wealth is trapped in one country?

What share of your total investable wealth sits inside Indian equity and Indian mutual funds alone? See it as a picture, not a percentage.

Share of wealth in India-only equity 100%

0%100%

DiversifiedBalancedConcentrated

India

Your concentration status

Fully Concentrated

Your entire wealth moves with a single country's currency, interest rate cycle, and regulatory environment.

India exposure100%

Rest-of-world exposure0%

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This tool is a self-reflection aid, not a personalised asset allocation recommendation. It does not constitute investment advice. Any allocation decision should be made only after formal risk profiling with a SEBI Registered Investment Adviser. Prepared by Sukhanidhi Investment Advisors, SEBI RIA INA200015246.

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What's your Financial Freedom Number?

Using a widely-referenced inflation-adjusted withdrawal framework, estimate the corpus you would need to sustain your current lifestyle at retirement.

Current age 35

2260

Target retirement age 55

4570

Current monthly expenses ₹1,00,000

₹25,000₹5,00,000

Assumed inflation 6%

4%9%

Your Financial Freedom Number

₹0 Cr

the illustrative corpus needed at retirement to sustain your current lifestyle, inflation-adjusted.

Monthly expense at retirement₹0

Years to retirement0

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Uses a widely-referenced 4%-withdrawal-rate framework (25x annual expenses) purely for illustration. This is a simplified planning heuristic, not a guarantee that this corpus will be sufficient, nor a prediction of any investment outcome. A full financial plan requires formal risk profiling. Prepared by Sukhanidhi Investment Advisors, SEBI RIA INA200015246.

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Your "safe" money is quietly losing value, right now.

Money sitting in a savings account or low-yield FD isn't standing still — inflation is eroding what it can buy, every single year. See the real number.

Amount sitting idle ₹20,00,000

₹1L₹1Cr

Interest earned (savings/FD) 4%

2.5%7.5%

Assumed inflation 6%

4%9%

Time horizon 10 years

1 yr20 yrs

Real purchasing power lost

₹0

in today's rupees — even though your bank statement will show a bigger number.

Nominal value after N years₹0

Real value (today's purchasing power)₹0

Ask Vinayak where this money should go

Illustrative calculation only. Actual bank/FD interest rates and inflation vary over time. This tool does not name or make claims about any specific bank, product, or provider, and does not constitute investment advice. Prepared by Sukhanidhi Investment Advisors, SEBI RIA INA200015246.

Free tool · Built for Videshi Portfolio

Pay once. Or pay every single year, forever.

A PMS or wealth manager typically charges 1–2% of your corpus every year, forever. A one-time advisory fee is paid exactly once. See the gap over time.

Corpus to be managed ₹75,00,000

₹10L₹3Cr

PMS / AUM-based fee 1.5%/yr

0.5%2.5%

One-time advisory fee ₹60,000

₹25,000₹1,50,000

Investment horizon 10 years

3 yrs25 yrs

You would pay this much more, forever

₹0

in AUM-based fees over 10 years, compared to paying once.

Total paid — PMS / AUM model₹0

Total paid — one-time model₹0

As a % of your original corpus0%

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Illustrative calculation only, assuming 10% annual corpus growth for both scenarios. Actual PMS, AUM, and advisory fee structures vary by provider. This tool does not name or make claims about any specific PMS, fund, or provider, and does not constitute investment advice. Prepared by Sukhanidhi Investment Advisors, SEBI RIA INA200015246.

Calculators that make you think — then reach out.