KalpaKuber Wealth Gap tool v14

KalpaKuber: Procrastination Penalty Engine

NOMINAL INFLATION ADJUSTED (REAL)

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

TypeMonthly SIPLumpsum

Current Amt (Rs.)

Returns (%)

Step-Up (%)

Inflation (%)

Target (Yrs)

Delay	Tenure	Projected Wealth	Wealth Lost (Opportunity Cost)	The Recovery Effort (Catch-up)

Nominal Loss: The actual difference in the final bank balance.
Catch-up Step-Up: The annual increase needed if you refuse to increase your starting SIP amount.