Compute your spending power

Locale for number formatting: and currency symbol ,

Enter income by type. If you don't wish to itemize, enter all your income into the first field and leave the rest blank.

income types ₹
Explanation This is your total annual recurring income from effortful work. Use the raw value, do not subtract income tax before entering it here. Include wages, salaries, tips, fellowships, etc.
₹
Explanation Include annual company bonus, income from one-off work, or anything you wish to be computed as over-and-above your regular salary, but that still required effort from you. Currently, this value is not used any differently from the salary figure above, feel free to ignore this and consolidate both amounts. In the future, the tool may allow you to compute a fraction of the bonus alone.
₹
Explanation Enter the value of annual restricted stock units vested in your acccount. Include RSU income, gifts of stock, inheritance, etc. Use the raw value, do not subtract income tax before entering it here.
₹
Explanation Enter your income from fixed deposits, certificate of deposits, dividends, bank interest, interest from government bonds, maturing policies, etc. This is all the income that you don't have to exert an effort for anymore. Use the raw value, do not subtract income tax before entering it here.

Your total annual income:

₹0.00
Your annual expenses ₹
Explanation The expenses you incur every year. This includes rent, mortgage, tuition, childcare, food, utilities, medical bills, etc.
₹
Explanation How much income tax you pay. This will be used to estimate pre-tax and post-tax expenditures.
₹
Explanation How much money you contribute directly to your retirement fund, like in a 401(k) or provident fund, provided you don't have to pay income tax on that amount.
₹
Explanation How much money you save for retirement using your income after you've paid income tax on it. For example, annual purchases of index funds, mutual funds, Roth IRA, etc.
₹
Explanation How much money you save annually to build up a fund for covering unexpected expenses. If you have already built up a fund and don't contribute to it any more, enter zero.

Total expenses: ₹0.00
Annual disposable income: ₹0.00
Effective tax rate: 0.00%

Item to compute ₹
Explanation This is the item that you want the computation for. The output below will show the time and effort required to obtain this item.
Explanation

Disposable: A disposable expense is one which you want to spend, but not necessarily need to spend. For example: a vacation, a toy, a sports car, or some movie tickets. If you choose this option, the tool will use the disposable income figure above to compute the time and effort required.

Pre-tax: A pre-tax expense is one for which you don't have to pay income tax. For example: contributions to charity, further contributions to your pre-tax retirement fund.

Post-tax: A post-tax expense is a necessary expense that you will need to cover using income on which you've already paid income tax. For example: purchase of new household equipment, clothing, school books, a commuter car, etc. If you choose this option, the tool will use your total income to compute the time and effort.

Capital by RSU sale: A capital expenditure that is covered by capital gains is one where you don't have to pay capital gains tax at all because you are immediately reinvesting that money into another capital asset. For example, in India, stocks held for a long term can be sold and the proceeds used to buy a person's first house without incurring capital gains tax.

Results

In order to pay off the item above, you have to:

Time: Stay employed for 0.00 days.

Effort: Toil for 0.00 days.

Passive: Chill out with passive income for 0.00 days.