About & Methodology

How WiseCalc works

WiseCalc provides free financial calculators for Indian users. We focus on clear assumptions, inflation-aware outputs, and transparent methodology so you can interpret results with confidence.

Assumptions

Built by WiseCalc to provide fast, transparent, India-first calculators.
All projections are estimates; not investment advice.
Default inflation: 6% p.a.; returns are user-adjustable.
Monthly compounding; step-ups applied annually where relevant.
Data is not stored; tools are free.

Scope by tool

SIP & Lumpsum

Monthly SIP with annual step-up; lumpsum with monthly compounding. Inflation toggle shows today’s value.

SWP / Retirement

Monthly withdrawals with optional annual increase. Shows corpus exhaustion timeline and inflation-aware payouts.

Net Worth

Assets bucketed by class; liabilities amortized by rate/term. Shows future and today’s net worth.

Disclaimers

These tools provide estimates only. They do not account for taxes, fund fees, or market volatility. Past performance is not indicative of future returns. Please consult a financial advisor for personalized advice.

Last reviewed: 29/12/2025. Contact: support@wisecalc.in