KalpaKuber Wealth Gap Tool v11

KalpaKuber: Procrastination Penalty Engine

NOMINAL INFLATION ADJUSTED (REAL)

Goal Strategy Shift Window (Work Same 25 Yrs) Fixed End-Date (Retire on Time)

TypeMonthly SIPLumpsum

Current Amt (Rs.)

Returns (%)

Step-Up (%)

Inflation (%)

Target (Yrs)

Delay Period	Tenure	Wealth Impact	Wealth Lost (Real)	The Double Whammy (Req. SIP)

Fixed End-Date: Delaying reduces compounding time.
Shift Window: Tenure stays same, but inflation has more time to erode your money.