Methodology
How WiseCalc calculates results
Transparent assumptions for SIP, Lumpsum, SWP, and Net Worth tools. Use these notes to interpret results and set realistic inputs.
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- Inflation defaults to 6% p.a. but is user-editable.
- Returns are user-entered; we surface sensible ranges but do not guarantee performance.
- Compounding is monthly for SIP, SWP, and lumpsum models.
- Taxes, fees, and exit loads are not included unless stated.
SIP & Lumpsum
- SIP uses monthly contributions with optional annual step-up; FV is grown monthly.
- Lumpsum compounds monthly at the entered annual rate.
- Today’s value discounts by the inflation rate when Reality check is on.
SWP / Retirement
- Withdrawals occur monthly; remaining corpus grows monthly at the entered rate.
- Annual withdrawal increase applies once per year if set.
- Exhaustion month is noted when corpus hits zero.
Net Worth
- Assets are bucketed (cash/equity/debt/real estate/gold) with per-bucket growth assumptions.
- Loans amortize monthly using the entered rate and term.
- Present value discounts the projected net worth by inflation when enabled.
Data & Accountability
- All calculations run client-side; no data is stored or transmitted.
- WiseCalc is a free public utility. Estimates are not financial advice.
- Last reviewed: 2025-12-28