About Me & The Project
The engineering journey behind a transparent, ad-free financial planning suite built for smart investors.
Sumeet Boga
Software Engineer & Builder
Combining tech expertise with personal finance passion to build fast, secure calculators.
Connect on LinkedInThe Vision Behind the Tools
In personal finance, clarity is everything. Unfortunately, many online calculators are slow, complex, or designed to capture your contact details and pitch you insurance policies.
I wanted a clean tool that did two things exceptionally well: model **Step-up Systematic Investment Plans (SIP)** to match salary increments, and simulation-test a **Systematic Withdrawal Plan (SWP)** for retirement income under inflation.
Unable to find a transparent, lightweight suite, I decided to build it. This calculator utilizes 100% local, client-side browser logic to keep your numbers completely private, running smoothly without any corporate telemetry.
Project Journey & Milestones
Conception & Engine Prototype
Q2 2024Designed the initial compound interest and step-up algorithms. Verified formulas against Excel sheets and standard financial reference papers to ensure absolute math consistency.
SIP + SWP Unified Simulator
Q1 2025Launched the first integrated calculator that maps the wealth accumulation phase (SIP) directly into the retired distribution phase (SWP) in a single visual chart.
Advanced Mutual Fund Taxation Engine
Q1 2026Integrated accurate LTCG and STCG tax rules (compliant with Indian tax policies) so users can model tax-efficient withdrawal structures instead of raw returns.
What Makes This Suite Unique
True Annual Step-Up
Increment your investments on a set percentage yearly. This realistic simulation mirrors actual career progression and wage hikes over time.
Unified Accumulation & Drawdown
Transition seamlessly from compounding your savings into receiving a tax-efficient retirement salary, all mapped out visually.
Inflation Adjustments
Avoid purchasing power erosion. Adjust retirement income yearly so your real spending capacity remains constant across decades.
100% Client-Side Privacy
Your parameters are yours alone. Calculations occur inside your browser session. No data is stored, sold, or shared with third parties.
Commitment to Accuracy
Financial models and calculations are calibrated using framework policies and regulatory math guidelines established by key financial institutions:
Last math audit: March 2026Regulatory Disclaimer
This suite is built for educational and planning purposes only. The mathematical simulations do not account for external costs like exit loads, scheme expense ratios, or severe market downturns. I am not a SEBI-registered advisor; consult an official advisor before executing investments.
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