DEZERVWealth Architecture
A working session
Pillar 01 · Risk & Protection

If you weren't here tomorrow, would your family be okay?

Enter what your family spends, what you owe, and what you've already set aside. The calculator shows, in rupees, the difference between what they'd need and what's currently in place.

Do this Fill in the details on the left, then press Calculate. You can edit any input afterwards and the numbers update.
The life you'd want to protect
Roughly, the cost of their life today.
Until the children are independent, or a partner's lifetime.
Home loan, children's education, weddings — added on top.
What's already in place
Not the home you live in.
Total cover across base policy and any top-up.
Used only to compare your cover the way insurers do.
See the gap between what your family would need and what's in place.
Fill in the details on the left, then run the numbers.
Life coverHealthIncome protection
Pillar 02 · Retirement

How much you'll need — and how close you already are.

Enter what you spend each month today. The calculator sizes it for a long life and shows, beside it, what you're on track for on your current path.

Do this Fill in the details on the left, then press Calculate. You can edit any input afterwards and the numbers update.

Life expectancy is often underestimated in planning. A longer horizon increases the amount you need.

Your lifestyle now — we'll grow it for inflation so it buys the same life later.
Added on top of what you'll need. Leave at ₹0 if there's no specific legacy amount.
What you're already doing
Everything pointed at the future — not the home you live in.
Big one-off amounts coming in

An ESOP payout, a bonus, a property sale — money that lands in your lap. Add as many as you like.

Big future expenses

A child's education or wedding, a second home. Each is grown for inflation and taken out in the relevant year, so the number reflects your real cashflow.

Assumptions — change if you like
See what you'll need, and what you're on track for.
Tell us your spending and what you're already doing, then run it.
What you'll needWhat you're on track forThe gap
Pillar 03 · Estate

Would the people you love know what to do?

Estate readiness comes down to three tools — nominations, a will, and (only for some) a trust. Walk the list below and tick what's genuinely up to date.

Do this Tick the items that are already in place. The checklist is for your own reference only.
Checklist completed

Summary · Your two-page picture

Where you stand — your numbers in one place.

A read across all three calculators: where the numbers are strong and where the gaps are, drawn straight from the inputs you entered. Print it or save it as a PDF to keep for your own reference.

Do this Generate it, then save as a PDF — it prints to two clean pages.
Fill in the calculators above, then generate — the summary draws straight from your numbers.

The math

Important information & disclaimer

This tool is provided by Dezerv for educational and illustrative purposes only. It is intended to help you structure conversations around your finances and does not constitute investment, tax, legal or financial advice, or any recommendation, offer or solicitation to buy/sell any security or adopt any investment strategy.

The outputs generated are estimates based on the information and inputs provided by you and use simplified, editable assumptions. They should not be relied upon as a substitute for professional advice.

Before taking any action based on the information provided, please consult a SEBI-registered investment adviser, portfolio manager, or other qualified financial, tax or legal professional. Dezerv does not guarantee the accuracy, completeness or suitability of the information presented and shall not be responsible or liable for any decisions, actions or omissions based on or arising such information.

Our licenses — Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377. Distribution services are offered through Dezerv Distribution Services Private Limited, a wholly owned subsidiary of Dezerv Investments Private Limited, with AMFI Registration No. (ARN) 248439 and APMI registration no. (APRN) 00615.