The calculator uses your monthly expenses, outstanding loans, inflation rate, and FD rate to estimate the ideal insurance coverage needed to secure your family’s financial future.

Inflation increases the cost of living over time, so the calculator includes it to ensure that your coverage will be sufficient to meet rising expenses in the future.

While it primarily calculates the coverage amount, you can use it to inform your choice by estimating how much term or whole life insurance might be needed.

It’s recommended to update your entries annually or whenever there are major financial changes, such as an increase in expenses or debt.

The FD rate helps project the potential growth of existing savings or investments, giving a more realistic view of the financial support available to your family.

It primarily focuses on monthly expenses and outstanding loans, but you can adjust your inputs to include other specific costs if needed

It considers your current expenses, inflation, age, and expected returns to estimate how much you need to save by retirement to sustain your lifestyle.

Inflation may differ during working years and retirement, so the calculator adjusts rates for more accurate expense projections in each phase.

Yes, this feature lets you input varied return rates, as investments during retirement may be more conservative compared to pre-retirement.

You can adjust the inputs, such as post-retirement inflation or monthly expenses, to reflect changes and recalculate the savings needed.

Life expectancy helps determine how long your retirement funds need to last, ensuring that you won’t outlive your savings.

It’s recommended to review your plan yearly or if there are significant changes in expenses, income, or economic conditions.

The calculator takes your planned purchase timeline, current house cost, expected inflation rate, and return rate to estimate the savings needed to buy a home.

Real estate prices often rise over time, so including inflation helps ensure that your savings goal will cover the future cost of the home, not just today’s price.

Yes, you can adjust this rate to reflect different investment options, like conservative savings or higher-yield investment vehicles, based on your risk tolerance.

The rate is an estimate based on past trends, so while it may vary, it provides a guideline to help approximate future real estate prices.

While it focuses on savings, it can be used in combination with a mortgage calculator to assess total funding needs, down payments, and potential loan amounts.

Update your entries annually or when significant market changes occur to keep your savings goal aligned with current real estate and investment conditions.

The calculator uses the loan amount, interest rate, and loan tenure to compute the EMI with a standard formula, factoring in compound interest over the tenure.

Yes, it can be used for personal loans, home loans, car loans, education loans, and more by adjusting the interest rate and tenure accordingly.

For most loans with fixed interest rates, the EMI remains the same. For floating interest rates, the EMI may vary with rate changes.

A longer tenure reduces the EMI but increases the total interest paid. Conversely, a shorter tenure results in a higher EMI with lower interest costs.

Yes, the calculator provides a breakdown of both the total interest and the total repayment amount, offering a complete view of the loan cost.

Early repayment can reduce the interest cost, but it’s best to check with your lender for any prepayment fees or terms.

It uses the loan amount, interest rate, and loan tenure to compute the EMI using a formula that accounts for compound interest over the repayment period.

Yes, the calculator is suitable for estimating EMIs on refinanced home loans. Input the new loan terms to see updated EMI estimates.

A longer tenure reduces the EMI but increases the total interest paid over the loan term, making the loan more costly in the long run.

Yes, the calculator provides both the total interest payable and the total repayment amount, giving a clear picture of the loan’s cost.

Higher interest rates increase the EMI and overall interest cost, while lower rates make the loan more affordable.

Yes, it can be used for both home purchase and construction loans, provided the loan has an EMI structure.

For fixed-rate home loans, the EMI remains the same. For floating-rate loans, it may vary if the interest rate changes.

Making a prepayment can reduce either the EMI or the loan tenure, depending on the lender’s policies, often leading to substantial interest savings.

It calculates based on your current savings, desired corpus, timeframe, expected return rate, and inflation rate.

Yes, inflation is factored in to provide a realistic estimate of the required future amount.

Absolutely, you can input the expected return rate to tailor the calculation to your chosen investment strategy.

You can enter ‘0’ for current savings, and the calculator will adjust the future investment requirement accordingly.

Yes, you can adjust the target age to see how a longer or shorter investment horizon impacts the required savings.

Yes, you can set any target amount, making this tool versatile for various financial goals.

It provides a total investment target; you can then divide it into monthly or annual contributions as desired.

No, you can customize it based on your risk tolerance and preferred investment returns.

It uses the loan amount, interest rate, and loan tenure to compute the EMI based on compound interest, providing a clear repayment estimate.

Yes, you can use it for both short-term and long-term gold loans by entering the desired loan tenure.

For fixed-rate gold loans, the EMI remains the same. For floating-rate loans, it may vary if the interest rate changes.

Absolutely. You can adjust the loan amount, interest rate, and tenure to compare different gold loan options.

Yes, the calculator displays the total interest payable along with the total repayment amount, offering a complete cost breakdown.

The calculator doesn’t calculate early repayment benefits, but you can check with your lender for any prepayment options or savings.

Yes, it can be used for both personal and business gold loans, as long as the loan terms follow an EMI structure.

You can easily adjust the loan amount and other values in the calculator to update the EMI, providing flexibility for planning.

The calculator uses your inputs for lumpsum, SIP, time period, asset allocation percentage, expected inflation, and return rates to estimate portfolio growth based on both equity and debt investments.

Asset allocation balances risk and return by diversifying investments across different asset classes, helping you reach your goals while managing market volatility.

It’s an estimated annual growth rate for each asset class (equity or debt), based on historical returns and risk levels, helping to project future portfolio value.

The calculator considers inflation to ensure that your portfolio’s returns are sufficient to maintain or grow your purchasing power over time.

Yes, you can adjust the equity and debt percentages to fit your risk tolerance, whether you prefer a conservative or aggressive investment approach.

Reassess your asset allocation periodically, adjusting equity and debt proportions in line with any changes in your financial goals or risk preferences.

Use it at the start of an investment plan and whenever your goals, risk tolerance, or market conditions shift, helping keep your asset allocation aligned with your objectives.

It uses the loan amount, interest rate, and loan tenure to compute the EMI using a standard formula that factors in compound interest over the loan term.

Yes, it works for both new and used cars. Just enter the specific loan amount, interest rate, and tenure based on your loan agreement.

For fixed-rate car loans, the EMI remains the same. For variable-rate loans, the EMI may change if the interest rate fluctuates.

Yes, it provides a breakdown of the total interest payable, along with the total repayment amount.Yes, it provides a breakdown of the total interest payable, along with the total repayment amount.

A longer tenure reduces the monthly EMI but increases the overall interest paid on the loan.

Absolutely. You can input different amounts, rates, and tenures to see how each affects the EMI and total interest.

Yes, it can help you estimate the EMI on a refinanced car loan by inputting the new loan terms.

Making prepayments can either reduce the EMI or shorten the loan tenure, depending on the loan agreement with your lender.

Use a moderate inflation rate based on local or recent wedding trends, but you can adjust this closer to the wedding date to keep estimates realistic.

Yes, you can include estimated travel and accommodation expenses for a destination wedding to see a total savings target.

The earlier, the better. Starting at least a year or more before the wedding date allows for more manageable savings goals and reduces financial pressure.

A SIP calculator provides estimates based on expected rates of return. Actual returns may vary due to market changes, so it should be used as a guide, not a guarantee.

Yes, by estimating future values based on your monthly contributions and investment duration, it helps you set achievable financial targets and track your progress.

Increasing your monthly SIP contribution can significantly boost your future returns due to compounding. You can adjust amounts in the calculator to see how it impacts growth.

For conservative estimates, use historical returns of the mutual fund category you’re considering. Equity funds may use 10-12%, while debt funds might use 6-8%.

Yes, it can be used for equity, debt, and hybrid funds. Just adjust the expected return rate based on the risk and past performance of the fund type.

It’s a good idea to use it periodically, especially if you are adjusting your contributions or investment period, to ensure your SIP aligns with your financial goals.

By calculating returns over time, a SIP calculator demonstrates how reinvesting returns compounds your investment, showing growth that increases with time.

The SIP Delay Calculator works by comparing two scenarios: one where you start investing immediately and another where you start after a delay. It then calculates the difference in corpus for both scenarios, showing the impact of the delay on your returns.

Starting early allows your money more time to compound, leading to higher growth over the years. Even a small delay means missing out on months or years of compounding, which can greatly reduce your final corpus.

The “cost of delay” refers to the financial impact of postponing your SIP start date. By delaying, you lose potential returns, and to reach the same target, you may need to contribute more monthly to make up for lost time.

Yes, the calculator displays the increased monthly investment amount required to achieve your financial goal after a delay, making it easier to understand the consequences of a delayed start.

Typically, SIP Delay Calculators focus on nominal returns and the impact of compounding. If you want to consider inflation, you may need a more comprehensive financial planning tool, or adjust your expected return to a real rate (after inflation).

By entering the delay period, the calculator can show how much your corpus will be reduced and suggest an increased monthly investment to reach your original target within the same timeframe.

Tikona Capital Finserv Pvt Ltd is a wealth management firm offering services driven by in-depth research, a professional network, and strong conviction. We cater to working professionals, and Entrepreneurs , dealing in Mutual funds, Unlisted opportunities, Pre-IPO, differentiated AIFs and PMS, and IPO advisory. Our investment objective focuses on client financial success and well-being, realistic data analysis, and extensive in-house research. At Tikona, we believe in creating finite solutions in a volatile financial environment, emphasizing the process of managing money.

Sumit Poddar, the founder of Tikona Capital, has over 20 years of experience in equities, investments, and portfolio management. He has held significant positions in top financial institutions and has managed substantial assets under management (AUM). Sumit is an All India Rank holder in Chartered Accountancy and has completed CFA Level 2.

At Tikona, we believe that a realistic assessment of our life liabilities and, thereby, the right solution of cash flows with patience can create generous wealth over the life cycle. Our products are driven by our investment philosophy of building long-term wealth by investing in high-quality businesses at reasonable relative valuations.

Portfolios in our products are built after due consideration to:

BUSINESS: Sector opportunity, growth drivers, profitability enablers, capital efficiency

MANAGEMENT: Healthy Return on Equity with low leverage, efficient capital allocation, and leadership to create differentiation

VALUATIONS: Reasonable relative valuations giving due consideration to business dynamics and management quality

Our planners collect important information like Age, Income, Dependants, Assets, Liabilities, etc., and asses the required key elements for planning. Comprehensive shall include goal planning, financial planning, and asset allocation.

The recommended model portfolios have nominal fees. For latest updates check tikonacapital.smallcase.com for latest pricing and offers for you !

Investors looking for tailor-made wealth creation solutions may contact us at sumitpoddar@tikonacapital.com

Tikona Capital is a SEBI Registered entity specializing in Investment Advisory, Research Analysis, and Equity Portfolio Advisory. Sumit Poddar, the founder, is a SEBI Registered Research Analyst (INH000009807). Tikona Captal Finserv Pvt Ltd is a Seprately Identifiable Unit for distribution

Tikona Capital Finserv offers Wealth Management Services and Financial Success Planning. Our products include model portfolios, Model Portfolios for Accredited Investors (AI) , Mutual funds, Unlisted opportunities, Pre-IPO, differentiated AIFs and PMS, and SME IPO advisory. We cater to C-suite executives, working professionals, high net worth individuals, family offices, corporates, and institutions. Explore our Products and services at tikonacapital.com

Choosing Tikona Capital ensures trust-based, unbiased AI-driven investment recommendations and execution focused solely on achieving your goals. Our founder, Sumit Poddar, has over 20 years of experience in equities, investments, Research and portfolio management. Our expertise, qualifications, and skills allow us to understand your needs and provide the right strategies and solutions to achieve your financial goals.

If you have a trading and demat account with one of the supported brokers, you can start investing in smallcases. By clicking on 'Buy smallcase or 'Login', you can view the supported brokers and login with the respective credentials. One time Documentation with a simple process of a few clicks will be taken care of. The funds from your broker account would be used for investing in smallcases.

If you don't have a broker account, many brokers offer the online opening of accounts. the list of brokers you can have a brokerage account with: Alice Blue, Motilal Oswal, FundzBazar, Edelweiss, 5paisa, HDFC Sec, Upstox, Groww, Angel One, Axis Direct, Dhan, ICICIdirect, IIFL Sec, Kotak Sec, Trustline, Zerodha.

If you are looking for a customized solution, we will help you open an account and provide advisory services to suit your needs. Send your details at contact@tikonacapital.com to discuss further.

Tikona Capital finserv's investment philosophy focuses on creating solutions and model portfolios to help clients achieve their financial goals and wealth creation. We believe in a realistic assessment of their benchmarks and the complete solutions to build wealth over time. We emphasize investing in high-quality investment opportunities with long-term potential, aiming for superior risk-adjusted returns. Our strategy involves fundamental analysis and investing in growth-focused firms, ensuring sustainable and compounded returns.

The calculator considers your target savings timeline, current savings, anticipated vacation costs, inflation rate, and rate of return to create a savings plan that meets your travel budget.

Include all major expenses, like flights, accommodations, meals, activities, transportation, and any additional fees, to create a complete budget.

Use a moderate inflation rate based on recent travel cost trends, and adjust it closer to your travel date to keep the budget relevant.

Use a conservative rate if saving in secure options, or adjust based on higher-yield investments if you’re comfortable with moderate risk.

Start as early as possible. A longer timeline means lower monthly savings targets, making it easier to achieve your vacation goal without straining your finances.

The Lumpsum Calculator works by taking your one-time investment amount, expected rate of return, and investment duration to calculate the future value of your investment through compounding.

You should enter a realistic annual rate of return based on the type of investment you’re considering, such as historical returns for stocks, mutual funds, or bonds.

No, the Lumpsum Calculator typically shows nominal returns, not adjusted for inflation. You can consider inflation separately or use a reduced rate of return to approximate real growth.

Yes, you can use this calculator for various investments. Simply adjust the expected rate of return based on historical or projected returns for the specific asset class.

While it’s effective for both short- and long-term projections, the calculator is most beneficial for long-term investments, where compounding has a greater effect on growth.

This calculator assumes a one-time, lump-sum investment. For additional contributions, you may consider using a SIP or other investment calculator that factors in periodic deposits.

The projections are based on the rate of return you input, so accuracy depends on realistic return estimates. It provides a close approximation, but actual results may vary based on market conditions.

Absolutely. By entering your current savings and expected return rate, the calculator can give an idea of how much your money might grow by retirement, helping you set and evaluate retirement goals.

The calculator takes your child’s current age, education target, expected inflation rate, current savings, and rate of return to estimate how much you need to save monthly or yearly to reach the goal.

Yes, the calculator can be adjusted based on the expected costs of education, whether for local or international programs. Just enter estimated costs and inflation accordingly.

If you’re starting later, the calculator may suggest a higher savings rate or return requirement. It’s never too late to start, but earlier planning makes it easier to reach your goals.

While inflation varies by country and education type, you can estimate inflation based on historical trends. Check current education inflation rates to keep projections realistic.

Yes, you can use it to plan for various education levels, from undergraduate to advanced degrees, by adjusting the duration and cost estimates.

Choose a realistic rate based on your chosen investment type, whether conservative (e.g., fixed deposits) or more aggressive (e.g., mutual funds), to set achievable projections.

Yes, you can revisit and adjust inputs over time to reflect changes in your financial situation or education cost projections.

You can manually add extra expected costs like accommodation, books, or travel in the total estimate for a comprehensive savings goal.

The calculator estimates how much you need to save monthly or annually based on the car’s price, your current savings, time frame, and expected rate of return on investments.

Yes, it works for both new and used cars. Just enter the estimated price and any additional expenses for your chosen car.

Yes, you can add estimated costs for insurance, taxes, and registration to get a complete savings goal that covers all expenses.

Use a realistic rate based on your investment choices, such as a conservative rate for fixed deposits or a moderate rate for mutual funds.

Absolutely. You can update the target price in the calculator to adjust your savings plan as prices fluctuate or as you refine your budget.

While designed for savings, it can also help you decide on a down payment amount, reducing loan dependency and monthly EMIs if you choose to finance the car.

You can use the calculator to set a realistic car-buying budget that aligns with other financial goals by adjusting the savings period and investment return rate.

The earlier you start, the more manageable your savings plan will be. Even a one-year timeline can be helpful in setting aside funds for a car purchase.