Health Expense Planner – Medical Cost Planning Tool

Wealth & Health Engine

Medical inflation in India averages 10-14%. Calculate the true future cost of healthcare and the exact corpus you need to survive retirement without relying on children.

1. The Inflation Trap
Current Age
Retire Age
Current Out-of-Pocket Medical / Yr

(Medicines, tests, minor clinic visits not covered by insurance)

Medical Inflation Rate (India)
2. Existing Defense
Base Health Insurance Cover
Current Savings for Health
Expected Investment ROI
3. Health Fortification
Super Top-Up Active
Is your base ₹10L cover backed by a ₹50L+ Super Top-Up?
Critical Illness Rider
Lump sum payout for cancer, heart attacks, etc.
Liquid Health Fund
Do you have ₹2-5L in an FD purely for hospital admission deposits?

Target Health Corpus Needed

₹ 0

Required to survive 20 years post-retirement, accounting for inflation.

Future Annual Cost (At Retire)
₹ 0
Required SIP to Build Corpus
₹ 0 / mo
The Medical Inflation Curve
0%

Vulnerable

One major medical event could wipe out your family's savings.

Why Planning for Medical Expenses Matters

Healthcare costs can arise unexpectedly due to illness, accidents, or long-term medical conditions. Without proper financial planning, these expenses can significantly impact personal savings and long-term financial goals.

A health expense planner helps individuals estimate future medical costs, plan insurance coverage, and build savings dedicated to healthcare needs. Preparing for these expenses ensures financial stability and protects investments during medical emergencies.