KalpaKuber Wealth Gap tool v19

KalpaKuber: Procrastination Penalty Engine

NOMINAL FOCUS INFLATION ADJUSTED (REAL)

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

Type Monthly SIP Lumpsum

Current Amt (₹)

Returns (%)

Step-Up (%)

Inflation (%)

Target (Yrs)

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

Inflation Logic: Adjusted values represent today's purchasing power.
Recovery Target: If Shift Window is selected and Inflation is toggled, your target corpus grows to account for the extra inflation years.