KalpaKuber Wealth Gap tool v16

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: Gap in final balance. (In "Shift Window", this is 0 because you still work the same years).
Real Loss: The loss of purchasing power due to starting later in an inflationary world.