We help people plan with the number that actually matters.
Most financial calculators stop at a big, optimistic figure. We show what your money is actually worth after inflation, in your currency, so decisions are grounded in the truth.
SIP, EMI, compound interest, purchasing power and more, one accurate formula that works in any of six currencies, always with the after-inflation result.
Income tax, take-home salary and local schemes built to each country's real rules, India, US, UK, EU, Canada and Australia, not a one-size-fits-all estimate.
Why you can trust the numbers
Every inflation and return default is cross-checked against a national statistics agency, BLS, ONS, Eurostat, StatCan, ABS, MoSPI, and every tax schedule against the official authority.
Every formula is standard, published financial mathematics with a worked example. No black boxes, you can check the math behind any result.
All calculations run in your browser. No accounts, no tracking of your financial inputs, nothing saved on a server.
Why I built this
I'm Subhash D, a software engineer working in fintech. TheFinancePlans started with a simple, frustrating realisation: I ran a popular SIP calculator, saw a big 25-year total, and only later worked out how little that number would actually buy after two decades of inflation. Almost every calculator I tried showed the rosy headline number and stayed silent on what it was really worth.
So I built the tool I wanted: one that shows both the headline number and what it's worth in today's money, localized to the inflation, tax rules, and currency of each country it serves.
Honest disclosure: I am a software engineer, not a licensed financial adviser, accountant, or tax professional. The value this site offers is mathematical accuracy and transparency, not personalised advice. Every formula is standard, published financial mathematics: time value of money, annuity and SIP compounding, and inflation adjustment. The inputs are cross-checked against primary public sources:
- National statistical agencies for inflation (U.S. BLS, UK ONS, India MoSPI, ABS, StatCan, Eurostat).
- Official tax-authority schedules for income tax (IRS, HMRC, ATO, CRA, India Income Tax Department).
- Long-run market return references for equity assumptions.
See the methodology for every formula and the data sources for exactly where each number comes from.
This site does not provide regulated financial advice. Before making investment or tax decisions, consult a professional licensed in your jurisdiction: a SEBI-registered adviser (India), a CFP (US/Canada/Australia), or an FCA-authorised adviser (UK).
The team behind the tools
Every calculator is built, and every default rate sourced, by a named person.
Get in touch
Spotted an error in a formula, want a calculator we don't have yet, or have a press enquiry? We read everything. Found an error? Email me and I'll correct it.