Cashflow Projector: See exactly when your income can fund your next big goal

The Cashflow Projector is a multi-stream income growth simulator — not just a salary calculator. It models how your salary, annual bonus, RSU vesting, and side income compound independently over 1–20 years, then adds them up to show your total annual cashflow trajectory.

It solves a specific problem: the gap between "I want to buy X" and "when can I actually afford X." Enter a target asset price — e.g. a plot of land worth ₹1 Cr — and the projector tells you exactly which year your income matches that price, and how large the shortfall is until then.

You'll find this especially useful if you are:

• A salaried professional with RSU grants or a performance bonus who wants to see when equity + salary combined can fund a large purchase
• A freelancer or consultant earning from multiple income streams and planning a significant investment in the next few years
• Anyone planning a property or land purchase in the next 1–20 years who wants to know exactly how many years away they are
• A first-gen investor who has built a mutual fund corpus and wants to time their next move intelligently — rather than redeeming prematurely

• Plan a property or land purchase — enter a target asset price and see your "zero-leverage year" visually on the chart
• Model multi-stream income growth — salary + bonus + RSUs + side income all in one view, each compounding at its own rate
• Stress-test your assumptions — what if your hike is 8% instead of 12%? Drag the slider and the chart updates instantly
• Understand real vs nominal income — toggle inflation-adjustment to see whether your purchasing power is actually growing
• Decide if bridging finance makes sense — if Year 7 is your zero-leverage year but you want to buy now, a Loan Against Mutual Funds can close that gap

1. Step 1 — Enter your income baseline (Year 0): your base salary, annual bonus, RSU vesting value, and any side income
2. Step 2 — Set your growth assumptions: the annual % you expect each stream to grow — be honest, not optimistic
3. Step 3 — Set the projection horizon (1–20 years) to match your planning window
4. Step 4 (optional) — Toggle "Show Asset Price Line" and enter your target asset price to see your zero-leverage crossover year
5. Step 5 (optional) — Switch to "Inflation-Adjusted (Real ₹)" to understand your real purchasing power trajectory

Worked example: ₹20L base salary, 10% hike, ₹3L bonus at 8%, ₹5L RSU at 5%, no side income — target ₹1 Cr asset. The projector shows Year 0 total income of ₹28L growing to ₹66L by Year 9, crossing the ₹1 Cr mark around Year 13. Enable the asset price line to see this visually.

• Growth rates are assumptions, not guarantees — actual salary hikes vary by industry, company performance, and economic cycles
• RSU vesting values fluctuate with stock price — the refresher grant rate is an approximation; actual value depends on your company's market performance
• Inflation affects both sides — it erodes your income's real value AND may push up asset prices; the real ₹ toggle shows the income side, but asset price appreciation is a separate variable
• The "zero-leverage year" is when income matches today's price — if asset prices appreciate, the actual crossover year may be later
• Tax deductions and EMIs are not factored in — this is gross cashflow; your net take-home will be lower depending on your tax bracket and existing obligations

These are inputs to be thoughtful about — not reasons to avoid planning. A conservative estimate is more useful than an optimistic one.

If your projector shows Year 6 as your zero-leverage year, you don't have to wait. A Loan Against Mutual Funds (LAMF) from Quicklend lets you act now — using your existing portfolio as collateral — while your income catches up.

• Your mutual fund units stay invested and keep compounding — you don't redeem them
• Borrow against your portfolio at competitive interest rates, no foreclosure charges
• Interest-only repayment option — no EMI pressure on your monthly cashflow

Rate from 10.3% p.a. · No redemption · Funds disbursed in minutes

Each income stream compounds independently at its own annual growth rate:

For inflation-adjusted (real ₹) values, each year's total is divided by (1 + inflation%)^t, deflating it back to today's purchasing power. At 6% inflation, ₹50L in Year 10 is worth roughly ₹27.9L in today's rupees — the chart makes this visible by shrinking future bars accordingly.

Year 0 is always the reference point (deflator = 1), so your current income is unaffected. Cumulative and final-year figures in the stat tiles also switch to real terms when inflation-adjustment is on.