SIP + SWP calculator. Hope it's useful. Feedback please.

SIP + SWP calculator. Hope it's useful. Feedback please.

Today, I tried creating this sip + swp calculator, according to my use case:

https://vishnuvardan.github.io/investment-calc-app/?startAge=38&retirementAge=40&initialCorpus=15500000&monthlySip=54000&stepUpRate=0&expectedReturn=10&annualExpenses=1000000&swpDuration=20&postExpectedReturn=8.5&inflationRate=6&sideIncome=0&sideIncomeDuration=0&milestoneAmount=5000000&milestoneAge=48&initialLumpsum=15500000

Feel free to use it. If you have feedback or improvements, please share.

My use cases:

  1. Initial corpus.

  2. Sip until retirement

  3. Swp monthly expenses, for a certain period, as some may get help from kids.

  4. Milestone checkout after some period for kids studies or wedding

  5. Share the configured plan to friends/family easily via url.

  6. Networth with inflation adjusted info.

u/vsnu — 16 hours ago

siriche verupethuvainga! Artificial laugh - neenga siricha nalla irrukinga nu yaarachu sonnaingala?

video starting, 1st second lerunthe siripu, athuvum artificial siripu, siripu varaama siripu.

There was one vlog, where they standing in some goa prison fort, where people torchured and killed, anga kooda siripu, kikki bikki. no respect for a place at all.

tourist place la panparak thupravan environment hazard na, ippidi mental maari idam porul eval illamal sirripavanum HAZARDe!!!

https://preview.redd.it/dvl205iv1ckh1.png?width=1802&format=png&auto=webp&s=367cd1a0ccd9bcfab8f584d1c65f580e22b3703e

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u/vsnu — 20 hours ago

Skilltune - is this company legit or scam?

So, I have an active US H1B visa, expires next year September 2027. I live in India.

SkillTune called me and they told

  1. I have to pay for flight tickets only.

  2. Once I am there, they will let me live in their guest houses. They have 3.

  3. They will apply for USSN and respective records for me to start looking for jobs.

  4. They will arrange my job interviews, minimum 3 a week.

  5. They will take care of my food and stay until I get a job.

  6. If there is no job till 60 days, I have to fly out of the country and come back and start the process again.

  7. Once I get a job, the package will be around 100k to 120k, after their cut. The cut is 70, 10, 20 first year. 70 is for me, 10 is for visa transfer expenses and 20 is their profit. From next year, every year 80 20. 80 for me and 20 is for them.

Is this a legit deal?

I am a pessimist and I always stay away from these things. But I got laid off from my india job. So I want to see if this is legit.

They claim they won't take any money from me. I only have to pay my travel expenses. So, I am still not able to declare it 100% scam.

Kindly let me know if you come across such things.

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u/vsnu — 1 month ago

Stonkzz - personal networth 1.2cr + 50l real estate + 2cr company worth - real or lie?

What's with his new trend of casually flaunting 1cr 2cr networth casually?

If I know something, he is from a2d guy, passed out around 2020, his channel started around 2025 and gained all these networth? Seriously? There aren't much views or comments also. And they don't look inspiring also. No hate.

Even for 1cr, you need 100 lakhs. Even if we save 1 lakh, it takes 100 months, which is 8 years. So save such an amount in short time, let's say 2 years, you need to save or invest atleast 4 lakhs.

You can't even say stock returns. We all know how the stock market performed in the last 2 years.

To save 3 to 4 lakhs, one in chennai has to earn atleast 5lakhs per month, that's 60 lakhs per annum after taxes. So before taxes, one has to earn atleast 80 lakhs ha ha. So let's say even if he takes 60 to 80 lakhs from business to his pocket. His business must earn atleast 1cr to 2cr a year to take care of all busines expenses. If a business earns 1 to 2cr a year, why is the company worth is only 2cr to purchase? The number does not fit at all. These people casually chest people.

That too he is in business. Usually we know that business runners don't take anything to their pocket, justto reinvest and make it better. In this video, also he says he does not take any profit. Then where 1cr personal portfolio.

Ha ha numbers do not fit at all. After all he about some suv for 22 lakhs.

What are your thoughts? I feel this is surely lie. Real estate may be true.

Company worth data can be tricky. No comments

But personal networth 1.2cr is a lie I feel.

u/vsnu — 1 month ago

All influencers are fake, real experience from observing everyday

At least 98% of the famous.

It seems there is a curse that only if you go unethical ways, you get famous.

There are 2 famous influencers living in my area. One is finance 100k+ famous and another is fitness 50k+.

Although they do well in their department, they know their stuff, but they definitely don't do what they preach.

Finance:

  1. Finance guy always says don't buy unnecessary stuffs, no show offs, bla bla. But what he does is totally different. He bought luxury car, even spent more money on beautifying it. He bought a house as well. I am sure he will always have a explanation.

And he claims he came to Chennai with 2k in hand. But if you see his car, police is written in car glass. Which says that his family, parent is surely from police, govt job, which means pension surely. So much back up. But these influcers cook up stories like 0 to 10 cr in 18 months stories. Reality middle class is guys/girls start career with debt in hand.

Fitness:

  1. Fitness girl, althought she is ok fit. Never seen her in gym but you could see her posting stories saying , no matter how busy a day is, she does not miss gym. Like she clearly creats fomo to all women who are busy in their lifes thinking they miss gym. Maybe for a busy woman, working woman, with kids, 3 days a week gym is optimal, but these influencers make it look like they miss, them week, but these influencers are alpha.
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u/vsnu — 2 months ago