Cashflow Projector

The Cashflow Projector is a personal finance tool that lets you model how your total annual income — across salary, bonus, RSUs, and side income — will grow over time. Enter your current income streams and their expected growth rates, and the projector builds a year-by-year chart of your income trajectory so you can plan major financial decisions with clarity.

Use it to visualise your income runway before making a large purchase (e.g., land, property, or a business investment), plan how many years of savings or income are needed to fund a goal, compare nominal vs. inflation-adjusted growth to understand real purchasing power, and decide whether bridging finance — such as a Loan Against Mutual Funds — makes sense given your income trajectory.

Anyone with multiple income streams who wants a single, unified view of their financial growth. It is especially useful for salaried professionals with variable bonus or equity compensation, freelancers and consultants with side income, and anyone planning a major asset purchase in the next 1–20 years.

Each income stream compounds independently at its own growth rate. Fixed salary and bonus grow at their respective hike percentages; RSUs compound at the refresher grant rate; side income at the escalation rate. All four streams are summed per year to give total gross cashflow.

The dashed line marks the price of the asset you are targeting (e.g., a plot of land). The first year where the stacked bar reaches or crosses this line is when your annual income matches the asset cost. This is your "zero-leverage year" — any earlier purchase requires a loan to bridge the gap, and this projector helps you visualise exactly how large that gap is and for how many years.

All nominal values are deflated to today's purchasing power using the assumed inflation rate. At 6% p.a., ₹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 Year 0 income is unaffected. The asset price reference line, when enabled, is already in today's rupees and stays fixed — making the real-terms crossover year directly comparable. Cumulative and final-year figures in the stat tiles also switch to real terms when this mode is on.

If your cashflow trajectory shows you can comfortably service a loan within a few years, a Loan Against Mutual Funds (LAMF) from Quicklend can bridge the gap immediately — letting you acquire the asset now while your income catches up. Your mutual fund units stay invested and continue compounding while you access funds at competitive interest rates, without redeeming your portfolio.