Not a rule of thumb. The year worked out from the accounts you actually hold - PPF, EPF, NPS, funds, property, loans - with Indian tax on every rupee, and every assumption yours to see and change.
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Not a single rate of return applied to everything you own. Each scheme earns what it is actually notified to earn, and is taxed the way it is actually taxed.
These are revised quarterly, and Suffice tells you when the ones it holds have aged. NPS, ELSS, sovereign gold bonds, ULIPs, endowments, NCDs and twenty more besides, each with the tax that applies to it on the way out.
Every figure traces back to something you entered or an assumption you can see - never a rule of thumb borrowed from somewhere else.
Import a CAS from CAMS, KFintech, CDSL or NSDL and every fund and demat holding comes in matched by ISIN - real cost basis, real purchase history, nothing re-typed from memory. The file is read on your phone and never uploaded.
A PPF matures on the date the rule actually gives you, and earns on the month's lowest balance. An NPS glides out of equity on the lifecycle path you chose. The house you live in counts in net worth, not in the corpus that has to fund retirement.
Once a month, record what things are actually worth. Suffice separates contributions from growth, so your real returns - not an assumption - drive every projection after this one.
Assign specific accounts to specific goals and see what is covered, what is short, and by when. The home planner works out what a house actually adds to your month once the rent you stop paying is netted off.
Old regime or new, per person, with the ₹12L rebate, marginal relief, surcharge bands and presumptive taxation for business income. Capital gains charged the way each holding is actually charged, not at one flat guess.
Inflation, the corpus multiple, return bands per asset class - all of it visible in Settings with the reasoning behind each default written out. Check them; don't take them on faith.
One purchase, and none of it is an upsell to something else. This is the whole of what Suffice does.
“The question was never whether a calculator could do compounding. It was whether it understood a PPF, or only pretended to.”
Why Suffice existsEverything you enter is saved on your device, and leaves it only if you switch on iCloud sync yourself - to your own iCloud, under your own Apple ID. Nobody who makes Suffice can see your numbers, because nobody who makes Suffice has a way to.
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