About WealthCalculator

Fixing the big number trap

Most compound interest calculators show huge future balances. That paints too rosy a picture and can throw off your long-term plans. Over 20 to 30 years, inflation steadily eats away at your buying power.

We built WealthCalculator to show after-inflation results by default on every future projection. By showing what your money can actually buy in today's money, we help you plan with accuracy and confidence.

I'm Subhash D, a software engineer working in fintech. WealthCalculator started with a simple, frustrating realisation: I ran a popular SIP calculator, saw a big 25-year total, and only later worked out how little that number would actually buy after two decades of inflation. Almost every calculator I tried showed the rosy headline number and stayed silent on what it was really worth.

So I built the tool I wanted: one that shows both the headline number and what it's worth in today's money, localized to the inflation, tax rules, and currency of each country it serves.

Honest disclosure: I am a software engineer, not a licensed financial adviser, accountant, or tax professional. The value this site offers is mathematical accuracy and transparency, not personalised advice. Every formula is standard, published financial mathematics: time value of money, annuity and SIP compounding, and inflation adjustment. The inputs are cross-checked against primary public sources:

• National statistical agencies for inflation (U.S. BLS, UK ONS, India MoSPI, ABS, StatCan, Eurostat).
• Official tax-authority schedules for income tax (IRS, HMRC, ATO, CRA, India Income Tax Department).
• Long-run market return references for equity assumptions.

See the methodology for every formula and the data sources for exactly where each number comes from. Found an error? Email me and I'll correct it.

This site does not provide regulated financial advice. Before making investment or tax decisions, consult a professional licensed in your jurisdiction: a SEBI-registered adviser (India), a CFP (US/Canada/Australia), or an FCA-authorised adviser (UK).

WealthCalculator is built and maintained by Subhash D. Get in touch or follow along:

• subhash613d@gmail.com
• linkedin.com/in/subhash-d
• github.com/subhash23jan