About a minute

Two questions, then three numbers about you.

No sign up, no card, nothing stored anywhere but this browser.

Whatever is realistic. Small is fine, and small is the point.
Number one, what it becomes

By the time you are 60.

 

The tool behind this
Our compounding calculator, plus six others for loans, retirement and tax.
Number two, the cost of waiting

Start five years later.

 

Same monthly amount, same assumption, five fewer years of it. Nothing else changed.
Why this happens
The early years do the heavy lifting. There is a short lesson on it, one of eight.
Number three, the honest one

What it is actually worth.

 

Why we show you this
Most places show the big number and stop. Prices rise too, and a plan that ignores that is not a plan. This is the thinking behind our resilience check.
What you just saw was one of ten

Ten ways we make you better off.

Three numbers took a minute. These take the rest of the decisions off your plate: what to do first, what to do with what you have, and what to stop worrying about.

01 Stop guessing what comes first Most people do the right things in the wrong order. This tells you which step is yours today. 02 Turn savings into a plan Four questions and you see exactly where your money could go, and why, down to the rupee. 03 Understand it, not just follow it Eight lessons, three minutes each, written for someone who has never invested a rupee. 04 Know the number before you decide What a loan really costs, what a habit really grows to, what retirement really needs. 05 Pay less interest, finish sooner Which loan to attack first, and how many months and rupees that saves you. 06 Keep more of what you earn Which tax regime costs you less on your actual income. Ten minutes, often thousands. 07 Sleep better about the bad year A job loss, a hospital bill, a market fall. Find out now whether your plan holds. 08 See all of it at once Shares, funds, property and gold in one view, with the overlaps you did not know about. 09 Watch it actually move Name what you are saving for, then watch the gap close month by month. 10 Never feel stupid asking Ask anything in plain words and get a plain answer. It will never tell you what to buy.
Show me my first step

Every one of these is free and works without an account. An account just remembers your answers so you are not starting over each time.

Every figure here is an illustration from assumptions we printed next to it, not a forecast and not personal advice. M∞ is an educational planning tool. How we handle your information.