KalpaKuber Wealth Gap tool v18

KalpaKuber: Procrastination Penalty Engine

NOMINAL FOCUS INFLATION ADJUSTED (REAL)

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

TypeMonthly SIPLumpsum

Current Amt (₹)

Returns (%)

Step-Up (%)

Inflation (%)

Target (Yrs)

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

Nominal Values: Shows the absolute rupee amount you will see in your bank statement.
Inflation Adjusted: Accounts for the "₹500 Rupee Leak"—what your money can actually buy in today's terms.
*Calculations assume annual step-up and monthly compounding for SIPs.