What is Salary Replacement?
Salary replacement means building enough wealth so that the income generated from your investments can eventually cover your regular expenses or salary.
Salary Replacement Calculator
Can Your InvestmentsReplace Your Salary?
Find out how much wealth you need to replace your salary with income from your investments.
See when your investment income could match your salary, how your wealth can grow over time, and how delaying your plan can impact your financial freedom.
Know Your Target
How much wealth may be required to replace your current income?
See Your Timeline
Understand how your salary and investment income could grow over time.
Plan Your Transition
Explore when you could potentially move from salary-dependent income toward investment-generated income.
My Financial Inputs
Next step
You know the destination.
Now build the plan.
Plan Your Assets
Find an asset allocation aligned with your goal.
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Salary replacement questions
What is salary replacement?
Salary replacement means building enough invested wealth that income from those investments can cover your salary. This calculator estimates when that could happen from the income, savings, and return assumptions you enter.
How does this salary replacement calculator work?
It projects your salary, the share you invest each year, and growth from your equity and fixed-deposit mix. The estimated replacement year is the first year when projected investment income meets or exceeds that year's salary.
What is the cost of waiting to invest?
Cost of delay is how much lower your projected wealth can be if new savings start later. Those missed years are not compounded, so the same plan can finish with a smaller corpus.
What is target wealth in this plan?
Target wealth is the invested amount at which your projected investment income can replace your salary. It changes with your income, savings rate, asset mix, and the returns you assume.
Are these salary replacement results guaranteed?
No. The figures are projections from your inputs, not a forecast or investment advice. Real salary growth, market returns, tax, and spending can move the outcome.