{"id":12704,"date":"2026-08-31T10:04:36","date_gmt":"2026-08-31T04:34:36","guid":{"rendered":"https:\/\/flowersmfd.in\/?page_id=12704"},"modified":"2026-09-01T09:24:09","modified_gmt":"2026-09-01T03:54:09","slug":"wealth-builder","status":"publish","type":"page","link":"https:\/\/www.flowersmfd.in\/ta\/wealth-builder\/","title":{"rendered":"Wealth Builder"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12704\" class=\"elementor elementor-12704\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"aux-parallax-section elementor-element elementor-element-b7e2d35 e-con-full e-flex e-con e-parent\" data-id=\"b7e2d35\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-adbf819 elementor-widget elementor-widget-html\" data-id=\"adbf819\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div id=\"flowers-wealth-builder-v1\">\n\n<style>\n#flowers-wealth-builder-v1{\n  --blue:#0066d6;\n  --navy:#12304a;\n  --green:#239447;\n  --light:#f5f9fd;\n  --border:#dce7f1;\n  --text:#17324a;\n  --muted:#66788a;\n  --warning:#8a6500;\n  width:100%;\n  max-width:1100px;\n  margin:0 auto;\n  color:var(--text);\n  font-family:inherit;\n}\n\n#flowers-wealth-builder-v1 *{\n  box-sizing:border-box;\n}\n\n#flowers-wealth-builder-v1 button,\n#flowers-wealth-builder-v1 input{\n  font:inherit;\n}\n\n\/* HEADER *\/\n\n#flowers-wealth-builder-v1 .fwb-header{\n  text-align:center;\n  margin-bottom:24px;\n}\n\n#flowers-wealth-builder-v1 .fwb-title{\n  margin:0 0 7px;\n  color:var(--navy);\n  font-size:clamp(26px,4vw,36px);\n  line-height:1.2;\n  font-weight:700;\n}\n\n#flowers-wealth-builder-v1 .fwb-subtitle{\n  margin:0;\n  color:var(--muted);\n  font-size:15px;\n  line-height:1.55;\n}\n\n\/* MAIN *\/\n\n#flowers-wealth-builder-v1 .fwb-main{\n  display:grid;\n  grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);\n  gap:20px;\n  align-items:start;\n}\n\n#flowers-wealth-builder-v1 .fwb-panel{\n  min-width:0;\n  padding:23px;\n  border:1px solid var(--border);\n  border-radius:14px;\n  background:#fff;\n}\n\n#flowers-wealth-builder-v1 .fwb-result-panel{\n  background:var(--light);\n}\n\n#flowers-wealth-builder-v1 .fwb-panel-title{\n  margin:0 0 16px;\n  color:var(--navy);\n  font-size:20px;\n  line-height:1.35;\n  font-weight:700;\n}\n\n\/* INVESTMENT MODE *\/\n\n#flowers-wealth-builder-v1 .fwb-mode-grid{\n  display:grid;\n  grid-template-columns:repeat(3,1fr);\n  gap:8px;\n  margin-bottom:24px;\n}\n\n#flowers-wealth-builder-v1 .fwb-mode{\n  min-height:45px;\n  padding:8px 7px;\n  border:1px solid var(--border);\n  border-radius:9px;\n  background:#fff;\n  color:var(--navy);\n  cursor:pointer;\n  font-size:13px;\n  font-weight:600;\n}\n\n#flowers-wealth-builder-v1 .fwb-mode:hover{\n  border-color:var(--blue);\n}\n\n#flowers-wealth-builder-v1 .fwb-mode.is-active{\n  border-color:var(--blue);\n  background:var(--blue);\n  color:#fff;\n}\n\n\/* NORMAL INPUTS *\/\n\n#flowers-wealth-builder-v1 .fwb-field{\n  margin-bottom:21px;\n}\n\n#flowers-wealth-builder-v1 .fwb-label-row{\n  display:flex;\n  align-items:center;\n  justify-content:space-between;\n  gap:12px;\n  margin-bottom:8px;\n}\n\n#flowers-wealth-builder-v1 .fwb-label{\n  color:var(--navy);\n  font-size:14px;\n  font-weight:600;\n  line-height:1.4;\n}\n\n#flowers-wealth-builder-v1 .fwb-value-input{\n  width:145px;\n  min-height:43px;\n  padding:7px 10px;\n  border:1px solid var(--border);\n  border-radius:9px;\n  background:#fff;\n  color:var(--navy);\n  text-align:right;\n  font-size:16px;\n  font-weight:600;\n  outline:none;\n}\n\n#flowers-wealth-builder-v1 .fwb-value-input:focus{\n  border-color:var(--blue);\n  box-shadow:0 0 0 3px rgba(0,102,214,.12);\n}\n\n#flowers-wealth-builder-v1 .fwb-range{\n  display:block;\n  width:100%;\n  height:8px;\n  margin:5px 0 7px;\n  padding:0;\n  accent-color:var(--blue);\n  cursor:pointer;\n}\n\n#flowers-wealth-builder-v1 .fwb-range-labels{\n  display:flex;\n  justify-content:space-between;\n  gap:10px;\n  color:var(--muted);\n  font-size:11px;\n  line-height:1.3;\n}\n\n\/* =========================================================\n   COMPACT TOGGLE ROW\n   ========================================================= *\/\n\n#flowers-wealth-builder-v1 .fwb-compact-row{\n  display:flex;\n  align-items:center;\n  flex-wrap:nowrap;\n  width:100%;\n  min-width:0;\n  min-height:40px;\n  margin-bottom:15px;\n  gap:9px;\n}\n\n#flowers-wealth-builder-v1 .fwb-compact-question{\n  flex:0 1 auto;\n  min-width:0;\n  color:var(--navy);\n  font-size:14px;\n  font-weight:600;\n  line-height:1.35;\n  white-space:nowrap;\n}\n\n\/* PILL SWITCH *\/\n\n#flowers-wealth-builder-v1 .fwb-switch-wrap{\n  display:flex;\n  align-items:center;\n  flex:0 0 auto;\n  gap:5px;\n}\n\n#flowers-wealth-builder-v1 .fwb-switch-label{\n  min-width:21px;\n  color:var(--muted);\n  font-size:11px;\n  font-weight:600;\n  text-align:left;\n}\n\n#flowers-wealth-builder-v1 .fwb-switch{\n  position:relative;\n  display:inline-block;\n  width:52px;\n  height:30px;\n  flex:0 0 52px;\n  cursor:pointer;\n}\n\n#flowers-wealth-builder-v1 .fwb-switch input{\n  position:absolute;\n  opacity:0;\n  width:0;\n  height:0;\n}\n\n#flowers-wealth-builder-v1 .fwb-slider{\n  position:absolute;\n  inset:0;\n  border-radius:999px;\n  background:#cbd5df;\n  transition:.2s ease;\n}\n\n#flowers-wealth-builder-v1 .fwb-slider:before{\n  content:\"\";\n  position:absolute;\n  width:24px;\n  height:24px;\n  left:3px;\n  top:3px;\n  border-radius:50%;\n  background:#fff;\n  box-shadow:0 1px 3px rgba(0,0,0,.18);\n  transition:.2s ease;\n}\n\n#flowers-wealth-builder-v1 .fwb-switch input:checked + .fwb-slider{\n  background:var(--blue);\n}\n\n#flowers-wealth-builder-v1 .fwb-switch input:checked + .fwb-slider:before{\n  transform:translateX(22px);\n}\n\n#flowers-wealth-builder-v1 .fwb-switch input:focus-visible + .fwb-slider{\n  box-shadow:0 0 0 3px rgba(0,102,214,.18);\n}\n\n#flowers-wealth-builder-v1 .fwb-compact-extra{\n  display:flex;\n  align-items:center;\n  flex:0 0 auto;\n  gap:5px;\n  white-space:nowrap;\n}\n\n#flowers-wealth-builder-v1 .fwb-compact-extra-label{\n  color:var(--muted);\n  font-size:12px;\n  font-weight:600;\n}\n\n#flowers-wealth-builder-v1 .fwb-compact-input{\n  width:70px;\n  min-height:36px;\n  padding:5px 7px;\n  border:1px solid var(--border);\n  border-radius:8px;\n  background:#fff;\n  color:var(--navy);\n  text-align:center;\n  font-size:13px;\n  font-weight:600;\n  outline:none;\n}\n\n#flowers-wealth-builder-v1 .fwb-compact-input:focus{\n  border-color:var(--blue);\n  box-shadow:0 0 0 3px rgba(0,102,214,.12);\n}\n\n\/* CALCULATE *\/\n\n#flowers-wealth-builder-v1 .fwb-calculate{\n  width:100%;\n  min-height:50px;\n  margin-top:7px;\n  padding:10px 16px;\n  border:0;\n  border-radius:9px;\n  background:var(--blue);\n  color:#fff;\n  cursor:pointer;\n  font-size:15px;\n  font-weight:700;\n}\n\n#flowers-wealth-builder-v1 .fwb-calculate:hover{\n  filter:brightness(.96);\n}\n\n#flowers-wealth-builder-v1 .fwb-changed{\n  min-height:20px;\n  margin-top:9px;\n  color:var(--warning);\n  font-size:13px;\n  line-height:1.4;\n}\n\n\/* RESULTS *\/\n\n#flowers-wealth-builder-v1 .fwb-result-label{\n  margin-bottom:5px;\n  color:var(--muted);\n  font-size:13px;\n  font-weight:600;\n}\n\n#flowers-wealth-builder-v1 .fwb-result-value{\n  margin:0 0 18px;\n  color:var(--navy);\n  font-size:clamp(30px,5vw,45px);\n  line-height:1.12;\n  font-weight:800;\n  overflow-wrap:anywhere;\n}\n\n#flowers-wealth-builder-v1 .fwb-empty-message{\n  margin:-7px 0 15px;\n  color:var(--muted);\n  font-size:13px;\n  line-height:1.5;\n}\n\n#flowers-wealth-builder-v1 .fwb-result-grid{\n  display:grid;\n  grid-template-columns:1fr 1fr;\n  gap:9px;\n  margin-bottom:12px;\n}\n\n#flowers-wealth-builder-v1 .fwb-result-card{\n  min-width:0;\n  padding:14px;\n  border:1px solid var(--border);\n  border-radius:10px;\n  background:#fff;\n}\n\n#flowers-wealth-builder-v1 .fwb-result-card-label{\n  margin-bottom:5px;\n  color:var(--muted);\n  font-size:12px;\n  line-height:1.35;\n}\n\n#flowers-wealth-builder-v1 .fwb-result-card-value{\n  color:var(--navy);\n  font-size:18px;\n  line-height:1.3;\n  font-weight:700;\n  overflow-wrap:anywhere;\n}\n\n\/* TODAY'S VALUE *\/\n\n#flowers-wealth-builder-v1 .fwb-today-card{\n  display:none;\n  margin-bottom:17px;\n  padding:14px;\n  border:1px solid #cfe1f2;\n  border-radius:10px;\n  background:#fff;\n}\n\n#flowers-wealth-builder-v1 .fwb-today-label{\n  color:var(--muted);\n  font-size:12px;\n  margin-bottom:4px;\n}\n\n#flowers-wealth-builder-v1 .fwb-today-value{\n  color:var(--navy);\n  font-size:21px;\n  font-weight:800;\n}\n\n#flowers-wealth-builder-v1 .fwb-today-note{\n  margin-top:4px;\n  color:var(--muted);\n  font-size:11px;\n  line-height:1.45;\n}\n\n\/* DONUT *\/\n\n#flowers-wealth-builder-v1 .fwb-donut-wrap{\n  display:none;\n  grid-template-columns:180px minmax(0,1fr);\n  gap:18px;\n  align-items:center;\n  margin-bottom:17px;\n  padding:15px;\n  border:1px solid var(--border);\n  border-radius:10px;\n  background:#fff;\n}\n\n#flowers-wealth-builder-v1 .fwb-donut{\n  width:170px;\n  height:170px;\n  display:block;\n  margin:auto;\n}\n\n#flowers-wealth-builder-v1 .fwb-donut-center-number{\n  fill:var(--navy);\n  font-size:17px;\n  font-weight:800;\n}\n\n#flowers-wealth-builder-v1 .fwb-donut-center-label{\n  fill:var(--muted);\n  font-size:10px;\n}\n\n#flowers-wealth-builder-v1 .fwb-legend-row{\n  display:flex;\n  align-items:flex-start;\n  gap:9px;\n  margin-bottom:14px;\n}\n\n#flowers-wealth-builder-v1 .fwb-legend-dot{\n  width:11px;\n  height:11px;\n  flex:0 0 11px;\n  margin-top:4px;\n  border-radius:50%;\n}\n\n#flowers-wealth-builder-v1 .fwb-legend-dot-invested{\n  background:#8b9aaa;\n}\n\n#flowers-wealth-builder-v1 .fwb-legend-dot-growth{\n  background:var(--green);\n}\n\n#flowers-wealth-builder-v1 .fwb-legend-label{\n  color:var(--muted);\n  font-size:12px;\n  line-height:1.4;\n}\n\n#flowers-wealth-builder-v1 .fwb-legend-value{\n  color:var(--navy);\n  font-size:16px;\n  line-height:1.35;\n  font-weight:700;\n}\n\n\/* LINE CHART *\/\n\n#flowers-wealth-builder-v1 .fwb-chart-wrap{\n  display:none;\n  padding:13px;\n  border:1px solid var(--border);\n  border-radius:10px;\n  background:#fff;\n}\n\n#flowers-wealth-builder-v1 .fwb-chart-title{\n  margin:0 0 8px;\n  color:var(--navy);\n  font-size:13px;\n  font-weight:700;\n}\n\n#flowers-wealth-builder-v1 .fwb-chart{\n  display:block;\n  width:100%;\n  height:185px;\n}\n\n#flowers-wealth-builder-v1 .fwb-chart-note{\n  margin:7px 0 0;\n  color:var(--muted);\n  font-size:11px;\n  line-height:1.45;\n}\n\n\/* GOALS *\/\n\n#flowers-wealth-builder-v1 .fwb-goal-section{\n  margin-top:20px;\n  padding:21px 23px;\n  border:1px solid var(--border);\n  border-radius:14px;\n  background:#fff;\n}\n\n#flowers-wealth-builder-v1 .fwb-goal-title{\n  margin:0 0 13px;\n  color:var(--navy);\n  font-size:18px;\n  line-height:1.4;\n  font-weight:700;\n}\n\n#flowers-wealth-builder-v1 .fwb-goals{\n  display:flex;\n  flex-wrap:wrap;\n  gap:7px;\n}\n\n#flowers-wealth-builder-v1 .fwb-goal{\n  min-height:42px;\n  padding:8px 14px;\n  border:1px solid var(--border);\n  border-radius:999px;\n  background:#fff;\n  color:var(--navy);\n  cursor:pointer;\n  font-size:13px;\n  font-weight:600;\n}\n\n#flowers-wealth-builder-v1 .fwb-goal.is-active{\n  border-color:var(--green);\n  background:#eef9f1;\n  color:var(--green);\n}\n\n\/* CTA *\/\n\n#flowers-wealth-builder-v1 .fwb-cta-section{\n  margin-top:20px;\n  padding:21px 23px;\n  border:1px solid var(--border);\n  border-radius:14px;\n  background:var(--light);\n}\n\n#flowers-wealth-builder-v1 .fwb-cta-title{\n  margin:0 0 7px;\n  color:var(--navy);\n  font-size:18px;\n  line-height:1.4;\n  font-weight:700;\n}\n\n#flowers-wealth-builder-v1 .fwb-cta-text{\n  margin:0;\n  color:var(--muted);\n  font-size:13px;\n  line-height:1.6;\n}\n\n#flowers-wealth-builder-v1 .fwb-cta-wrap{\n  display:flex;\n  flex-wrap:wrap;\n  gap:8px;\n  margin-top:13px;\n}\n\n#flowers-wealth-builder-v1 .fwb-cta{\n  display:inline-flex;\n  min-height:45px;\n  align-items:center;\n  justify-content:center;\n  padding:8px 17px;\n  border-radius:9px;\n  background:var(--blue);\n  color:#fff!important;\n  text-decoration:none!important;\n  font-size:14px;\n  font-weight:700;\n}\n\n#flowers-wealth-builder-v1 .fwb-cta-secondary{\n  border:1px solid var(--blue);\n  background:#fff;\n  color:var(--blue)!important;\n}\n\n\/* DISCLAIMER *\/\n\n#flowers-wealth-builder-v1 .fwb-disclaimer{\n  margin-top:15px;\n  color:var(--muted);\n  font-size:11px;\n  line-height:1.65;\n}\n\n#flowers-wealth-builder-v1 .fwb-disclaimer strong{\n  color:var(--navy);\n}\n\n#flowers-wealth-builder-v1 .fwb-hidden{\n  display:none!important;\n}\n\n\/* TABLET *\/\n\n@media(max-width:900px){\n\n  #flowers-wealth-builder-v1 .fwb-main{\n    grid-template-columns:1fr;\n  }\n\n}\n\n\/* MOBILE *\/\n\n@media(max-width:600px){\n\n  #flowers-wealth-builder-v1 .fwb-header{\n    margin-bottom:19px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-title{\n    font-size:25px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-subtitle{\n    font-size:14px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-panel{\n    padding:17px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-panel-title{\n    font-size:18px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-mode-grid{\n    grid-template-columns:1fr 1fr;\n    gap:7px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-mode:last-child{\n    grid-column:1\/-1;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-label-row{\n    align-items:flex-start;\n    flex-direction:column;\n    gap:7px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-value-input{\n    width:100%;\n    text-align:left;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-range{\n    height:9px;\n  }\n\n  \/* compact rows remain one line *\/\n\n  #flowers-wealth-builder-v1 .fwb-compact-row{\n    gap:5px;\n    min-height:38px;\n    margin-bottom:12px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-compact-question{\n    font-size:11px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-switch-wrap{\n    gap:3px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-switch{\n    width:46px;\n    height:27px;\n    flex-basis:46px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-slider:before{\n    width:21px;\n    height:21px;\n    left:3px;\n    top:3px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-switch input:checked + .fwb-slider:before{\n    transform:translateX(19px);\n  }\n\n  #flowers-wealth-builder-v1 .fwb-switch-label{\n    min-width:18px;\n    font-size:9px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-compact-extra{\n    gap:3px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-compact-extra-label{\n    font-size:9px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-compact-input{\n    width:55px;\n    min-height:33px;\n    padding:4px 5px;\n    font-size:12px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-result-grid{\n    grid-template-columns:1fr;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-result-value{\n    font-size:34px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-donut-wrap{\n    grid-template-columns:1fr;\n    gap:13px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-donut{\n    width:155px;\n    height:155px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-chart{\n    height:175px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-goal-section,\n  #flowers-wealth-builder-v1 .fwb-cta-section{\n    padding:17px;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-cta-wrap{\n    flex-direction:column;\n  }\n\n  #flowers-wealth-builder-v1 .fwb-cta{\n    width:100%;\n  }\n\n}\n<\/style>\n\n\n<!-- HEADER -->\n\n<div class=\"fwb-header\">\n\n<h2 class=\"fwb-title\">\n  SIP Calculator \u2013 Investment Wealth Builder\n<\/h2>\n\n<p class=\"fwb-subtitle\">\n  Calculate how your SIP investment could grow over time.\n<\/p>\n\n<\/div>\n\n\n<!-- MAIN -->\n\n<div class=\"fwb-main\">\n\n\n<!-- INPUT PANEL -->\n\n<section class=\"fwb-panel\">\n\n  <h3 class=\"fwb-panel-title\">\n    How would you like to invest?\n  <\/h3>\n\n\n  <!-- INVESTMENT MODE -->\n\n  <div class=\"fwb-mode-grid\">\n\n    <button\n      type=\"button\"\n      class=\"fwb-mode is-active\"\n      data-mode=\"sip\">\n      Monthly SIP\n    <\/button>\n\n    <button\n      type=\"button\"\n      class=\"fwb-mode\"\n      data-mode=\"lumpsum\">\n      Lumpsum\n    <\/button>\n\n    <button\n      type=\"button\"\n      class=\"fwb-mode\"\n      data-mode=\"combined\">\n      SIP + Lumpsum\n    <\/button>\n\n  <\/div>\n\n\n  <!-- SIP -->\n\n  <div\n    class=\"fwb-field\"\n    data-field=\"sip\">\n\n    <div class=\"fwb-label-row\">\n\n      <label\n        class=\"fwb-label\"\n        for=\"fwb-sip-input\">\n        Monthly Investment\n      <\/label>\n\n      <input\n        id=\"fwb-sip-input\"\n        class=\"fwb-value-input\"\n        type=\"text\"\n        inputmode=\"numeric\"\n        value=\"\u20b910,000\">\n\n    <\/div>\n\n    <input\n      id=\"fwb-sip-range\"\n      class=\"fwb-range\"\n      type=\"range\"\n      min=\"500\"\n      max=\"1000000\"\n      step=\"500\"\n      value=\"10000\">\n\n    <div class=\"fwb-range-labels\">\n      <span>\u20b9500<\/span>\n      <span>\u20b910 Lakh<\/span>\n    <\/div>\n\n  <\/div>\n\n\n  <!-- LUMPSUM -->\n\n  <div\n    class=\"fwb-field fwb-hidden\"\n    data-field=\"lumpsum\">\n\n    <div class=\"fwb-label-row\">\n\n      <label\n        class=\"fwb-label\"\n        for=\"fwb-lumpsum-input\">\n        Initial Investment\n      <\/label>\n\n      <input\n        id=\"fwb-lumpsum-input\"\n        class=\"fwb-value-input\"\n        type=\"text\"\n        inputmode=\"numeric\"\n        value=\"\u20b91,00,000\">\n\n    <\/div>\n\n    <input\n      id=\"fwb-lumpsum-range\"\n      class=\"fwb-range\"\n      type=\"range\"\n      min=\"1000\"\n      max=\"50000000\"\n      step=\"1000\"\n      value=\"100000\">\n\n    <div class=\"fwb-range-labels\">\n      <span>\u20b91,000<\/span>\n      <span>\u20b95 Crore<\/span>\n    <\/div>\n\n  <\/div>\n\n\n  <!-- PERIOD -->\n\n  <div class=\"fwb-field\">\n\n    <div class=\"fwb-label-row\">\n\n      <label\n        class=\"fwb-label\"\n        for=\"fwb-years-input\">\n        Investment Period\n      <\/label>\n\n      <input\n        id=\"fwb-years-input\"\n        class=\"fwb-value-input\"\n        type=\"text\"\n        inputmode=\"numeric\"\n        value=\"15 Years\">\n\n    <\/div>\n\n    <input\n      id=\"fwb-years-range\"\n      class=\"fwb-range\"\n      type=\"range\"\n      min=\"1\"\n      max=\"50\"\n      step=\"1\"\n      value=\"15\">\n\n    <div class=\"fwb-range-labels\">\n      <span>1 Year<\/span>\n      <span>50 Years<\/span>\n    <\/div>\n\n  <\/div>\n\n\n  <!-- RETURN -->\n\n  <div class=\"fwb-field\">\n\n    <div class=\"fwb-label-row\">\n\n      <label\n        class=\"fwb-label\"\n        for=\"fwb-return-input\">\n        Expected Annual Return\n      <\/label>\n\n      <input\n        id=\"fwb-return-input\"\n        class=\"fwb-value-input\"\n        type=\"text\"\n        inputmode=\"decimal\"\n        value=\"12%\">\n\n    <\/div>\n\n    <input\n      id=\"fwb-return-range\"\n      class=\"fwb-range\"\n      type=\"range\"\n      min=\"0\"\n      max=\"30\"\n      step=\"0.5\"\n      value=\"12\">\n\n    <div class=\"fwb-range-labels\">\n      <span>0%<\/span>\n      <span>30%<\/span>\n    <\/div>\n\n  <\/div>\n\n\n  <!-- STEP-UP -->\n\n  <div\n    class=\"fwb-compact-row\"\n    data-field=\"stepup\">\n\n    <span class=\"fwb-compact-question\">\n      Increase SIP every year?\n    <\/span>\n\n    <div class=\"fwb-switch-wrap\">\n\n      <span\n        class=\"fwb-switch-label\"\n        id=\"fwb-stepup-state\">\n        No\n      <\/span>\n\n      <label class=\"fwb-switch\">\n\n        <input\n          id=\"fwb-stepup-toggle\"\n          type=\"checkbox\"\n          aria-label=\"Increase SIP every year\">\n\n        <span class=\"fwb-slider\"><\/span>\n\n      <\/label>\n\n    <\/div>\n\n    <span\n      class=\"fwb-compact-extra fwb-hidden\"\n      id=\"fwb-stepup-extra\">\n\n      <span class=\"fwb-compact-extra-label\">\n        Annual:\n      <\/span>\n\n      <input\n        id=\"fwb-stepup-input\"\n        class=\"fwb-compact-input\"\n        type=\"text\"\n        inputmode=\"decimal\"\n        value=\"10%\"\n        aria-label=\"Annual SIP increase\">\n\n    <\/span>\n\n  <\/div>\n\n\n  <!-- INFLATION -->\n\n  <div class=\"fwb-compact-row\">\n\n    <span class=\"fwb-compact-question\">\n      Account for inflation?\n    <\/span>\n\n    <div class=\"fwb-switch-wrap\">\n\n      <span\n        class=\"fwb-switch-label\"\n        id=\"fwb-inflation-state\">\n        No\n      <\/span>\n\n      <label class=\"fwb-switch\">\n\n        <input\n          id=\"fwb-inflation-toggle\"\n          type=\"checkbox\"\n          aria-label=\"Account for inflation\">\n\n        <span class=\"fwb-slider\"><\/span>\n\n      <\/label>\n\n    <\/div>\n\n    <span\n      class=\"fwb-compact-extra fwb-hidden\"\n      id=\"fwb-inflation-extra\">\n\n      <span class=\"fwb-compact-extra-label\">\n        Inflation:\n      <\/span>\n\n      <input\n        id=\"fwb-inflation-input\"\n        class=\"fwb-compact-input\"\n        type=\"text\"\n        inputmode=\"decimal\"\n        value=\"6%\"\n        aria-label=\"Expected inflation\">\n\n    <\/span>\n\n  <\/div>\n\n\n  <!-- CALCULATE -->\n\n  <button\n    type=\"button\"\n    class=\"fwb-calculate\"\n    id=\"fwb-calculate\">\n    Calculate My Wealth\n  <\/button>\n\n  <div\n    class=\"fwb-changed\"\n    id=\"fwb-changed\"\n    aria-live=\"polite\">\n  <\/div>\n\n<\/section>\n\n\n<!-- RESULT PANEL -->\n\n<section\n  class=\"fwb-panel fwb-result-panel\"\n  aria-live=\"polite\">\n\n  <div class=\"fwb-result-label\">\n    Your Estimated Wealth\n  <\/div>\n\n  <div\n    class=\"fwb-result-value\"\n    id=\"fwb-result-value\">\n    \u2014\n  <\/div>\n\n  <p\n    class=\"fwb-empty-message\"\n    id=\"fwb-empty-message\">\n    Enter your details and calculate to see your estimated growth.\n  <\/p>\n\n\n  <!-- RESULT CARDS -->\n\n  <div class=\"fwb-result-grid\">\n\n    <div class=\"fwb-result-card\">\n\n      <div class=\"fwb-result-card-label\">\n        Total Investment\n      <\/div>\n\n      <div\n        class=\"fwb-result-card-value\"\n        id=\"fwb-invested\">\n        \u2014\n      <\/div>\n\n    <\/div>\n\n\n    <div class=\"fwb-result-card\">\n\n      <div class=\"fwb-result-card-label\">\n        Estimated Growth\n      <\/div>\n\n      <div\n        class=\"fwb-result-card-value\"\n        id=\"fwb-growth\">\n        \u2014\n      <\/div>\n\n    <\/div>\n\n  <\/div>\n\n\n  <!-- INFLATION RESULT -->\n\n  <div\n    class=\"fwb-today-card\"\n    id=\"fwb-today-card\">\n\n    <div class=\"fwb-today-label\">\n      Value in Today's Money\n    <\/div>\n\n    <div\n      class=\"fwb-today-value\"\n      id=\"fwb-today-value\">\n      \u2014\n    <\/div>\n\n    <div class=\"fwb-today-note\">\n      Estimated purchasing power of the future wealth after accounting for inflation.\n    <\/div>\n\n  <\/div>\n\n\n  <!-- DONUT -->\n\n  <div\n    class=\"fwb-donut-wrap\"\n    id=\"fwb-donut-wrap\">\n\n    <svg\n      id=\"fwb-donut\"\n      class=\"fwb-donut\"\n      viewBox=\"0 0 180 180\"\n      role=\"img\"\n      aria-label=\"Investment versus estimated growth\">\n    <\/svg>\n\n\n    <div>\n\n      <div class=\"fwb-legend-row\">\n\n        <span class=\"fwb-legend-dot fwb-legend-dot-invested\"><\/span>\n\n        <div>\n\n          <div class=\"fwb-legend-label\">\n            Total Investment\n          <\/div>\n\n          <div\n            class=\"fwb-legend-value\"\n            id=\"fwb-donut-invested\">\n            \u2014\n          <\/div>\n\n          <div\n            class=\"fwb-legend-label\"\n            id=\"fwb-donut-invested-percent\">\n            \u2014\n          <\/div>\n\n        <\/div>\n\n      <\/div>\n\n\n      <div class=\"fwb-legend-row\">\n\n        <span class=\"fwb-legend-dot fwb-legend-dot-growth\"><\/span>\n\n        <div>\n\n          <div class=\"fwb-legend-label\">\n            Estimated Growth\n          <\/div>\n\n          <div\n            class=\"fwb-legend-value\"\n            id=\"fwb-donut-growth\">\n            \u2014\n          <\/div>\n\n          <div\n            class=\"fwb-legend-label\"\n            id=\"fwb-donut-growth-percent\">\n            \u2014\n          <\/div>\n\n        <\/div>\n\n      <\/div>\n\n    <\/div>\n\n  <\/div>\n\n\n  <!-- LINE CHART -->\n\n  <div\n    class=\"fwb-chart-wrap\"\n    id=\"fwb-chart-wrap\">\n\n    <div class=\"fwb-chart-title\">\n      Estimated Growth Over Time\n    <\/div>\n\n    <svg\n      id=\"fwb-chart\"\n      class=\"fwb-chart\"\n      viewBox=\"0 0 640 185\"\n      role=\"img\"\n      aria-label=\"Estimated wealth growth over time\">\n    <\/svg>\n\n    <p class=\"fwb-chart-note\">\n      Illustrative growth based on the assumptions selected above.\n    <\/p>\n\n  <\/div>\n\n<\/section>\n\n<\/div>\n\n\n<!-- GOALS -->\n\n<section class=\"fwb-goal-section\">\n\n  <h3 class=\"fwb-goal-title\">\n    \ud83c\udfaf What are you building this wealth for?\n  <\/h3>\n\n  <div class=\"fwb-goals\">\n\n    <button type=\"button\" class=\"fwb-goal\">\n      Retirement\n    <\/button>\n\n    <button type=\"button\" class=\"fwb-goal\">\n      Child's Education\n    <\/button>\n\n    <button type=\"button\" class=\"fwb-goal\">\n      Marriage\n    <\/button>\n\n    <button type=\"button\" class=\"fwb-goal\">\n      Home\n    <\/button>\n\n    <button type=\"button\" class=\"fwb-goal\">\n      Wealth Creation\n    <\/button>\n\n    <button type=\"button\" class=\"fwb-goal\">\n      Other Goal\n    <\/button>\n\n  <\/div>\n\n<\/section>\n\n\n<!-- CTA -->\n\n<section class=\"fwb-cta-section\">\n\n  <h3 class=\"fwb-cta-title\">\n    \ud83c\udf38 Want help planning your goal?\n  <\/h3>\n\n  <p class=\"fwb-cta-text\">\n    Your calculation is an estimate based on the assumptions you selected.\n    A financial plan also depends on your goals, time horizon, risk profile\n    and existing investments.\n  <\/p>\n\n  <div class=\"fwb-cta-wrap\">\n\n    <a\n      class=\"fwb-cta\"\n      href=\"\/contact\/\">\n      Talk to Flowers MFD\n    <\/a>\n\n    <a class=\"fwb-cta fwb-cta-secondary\" href=\"https:\/\/wa.me\/919677738141\" target=\"_blank\" rel=\"noopener nofollow\">\n      Chat on WhatsApp\n    <\/a>\n\n  <\/div>\n\n<\/section>\n\n\n<!-- DISCLAIMER -->\n\n<div class=\"fwb-disclaimer\">\n\n  <strong>Illustration only:<\/strong>\n  The estimated value is based on the assumptions selected by you.\n  Mutual fund returns are market-linked and actual returns may vary.\n  Inflation-adjusted value is only an estimate of purchasing power.\n  This calculator does not guarantee future returns or investment outcomes.\n  Past performance is not indicative of future performance.\n\n<\/div>\n\n\n<script>\n(function(){\n\n\"use strict\";\n\n\nconst root =\n  document.getElementById(\n    \"flowers-wealth-builder-v1\"\n  );\n\n\nif(\n  !root ||\n  root.dataset.initialized === \"1\"\n){\n\n  return;\n\n}\n\n\nroot.dataset.initialized = \"1\";\n\n\nconst $ =\n  selector =>\n    root.querySelector(\n      selector\n    );\n\n\nconst $$ =\n  selector =>\n    Array.from(\n      root.querySelectorAll(\n        selector\n      )\n    );\n\n\n\/* STATE *\/\n\nconst state = {\n\n  mode:\"sip\",\n\n  stepUp:false,\n\n  inflation:false,\n\n  calculated:false\n\n};\n\n\n\/* INPUTS *\/\n\nconst fields = {\n\n  sip:{\n    input:$(\"#fwb-sip-input\"),\n    range:$(\"#fwb-sip-range\"),\n    min:500,\n    max:1000000\n  },\n\n  lumpsum:{\n    input:$(\"#fwb-lumpsum-input\"),\n    range:$(\"#fwb-lumpsum-range\"),\n    min:1000,\n    max:50000000\n  },\n\n  years:{\n    input:$(\"#fwb-years-input\"),\n    range:$(\"#fwb-years-range\"),\n    min:1,\n    max:50\n  },\n\n  rate:{\n    input:$(\"#fwb-return-input\"),\n    range:$(\"#fwb-return-range\"),\n    min:0,\n    max:30\n  },\n\n  stepup:{\n    input:$(\"#fwb-stepup-input\"),\n    min:1,\n    max:25\n  },\n\n  inflation:{\n    input:$(\"#fwb-inflation-input\"),\n    min:1,\n    max:12\n  }\n\n};\n\n\n\/* HELPERS *\/\n\nfunction clamp(\n  value,\n  min,\n  max\n){\n\n  return Math.min(\n    max,\n    Math.max(\n      min,\n      value\n    )\n  );\n\n}\n\n\nfunction formatINR(\n  value\n){\n\n  if(\n    !Number.isFinite(\n      value\n    )\n  ){\n\n    return \"\u20b90\";\n\n  }\n\n  return (\n    \"\u20b9\" +\n    Math.round(\n      value\n    ).toLocaleString(\n      \"en-IN\"\n    )\n  );\n\n}\n\n\nfunction formatPercent(\n  value\n){\n\n  const n =\n    Number(value);\n\n  return (\n    Number.isInteger(n)\n      ? n.toString()\n      : n.toFixed(1)\n  ) + \"%\";\n\n}\n\n\nfunction formatField(\n  key,\n  value\n){\n\n  if(\n    key === \"years\"\n  ){\n\n    return (\n      Math.round(\n        value\n      ) +\n      \" Years\"\n    );\n\n  }\n\n\n  if(\n    key === \"rate\" ||\n    key === \"stepup\" ||\n    key === \"inflation\"\n  ){\n\n    return formatPercent(\n      value\n    );\n\n  }\n\n\n  return formatINR(\n    value\n  );\n\n}\n\n\nfunction extractNumber(\n  value\n){\n\n  if(\n    typeof value !== \"string\"\n  ){\n\n    return NaN;\n\n  }\n\n  return Number(\n    value\n      .replace(\n        \/,\/g,\n        \"\"\n      )\n      .replace(\n        \/[\u20b9%a-zA-Z\\s]\/g,\n        \"\"\n      )\n  );\n\n}\n\n\nfunction setField(\n  key,\n  value\n){\n\n  const field =\n    fields[key];\n\n\n  value =\n    clamp(\n      Number(value),\n      field.min,\n      field.max\n    );\n\n\n  field.range.value =\n    String(value);\n\n\n  field.input.value =\n    formatField(\n      key,\n      value\n    );\n\n}\n\n\nfunction markChanged(){\n\n  if(\n    state.calculated\n  ){\n\n    $(\"#fwb-changed\")\n      .textContent =\n      \"Values changed \u2014 Calculate again\";\n\n  }\n\n}\n\n\n\/* NORMAL RANGE INPUTS *\/\n\n[\n  \"sip\",\n  \"lumpsum\",\n  \"years\",\n  \"rate\"\n]\n.forEach(\n  function(key){\n\n    const field =\n      fields[key];\n\n\n    field.range.addEventListener(\n      \"input\",\n      function(){\n\n        field.input.value =\n          formatField(\n            key,\n            Number(\n              this.value\n            )\n          );\n\n        markChanged();\n\n      }\n    );\n\n\n    field.input.addEventListener(\n      \"focus\",\n      function(){\n\n        this.select();\n\n      }\n    );\n\n\n    field.input.addEventListener(\n      \"blur\",\n      function(){\n\n        const number =\n          extractNumber(\n            this.value\n          );\n\n\n        if(\n          Number.isFinite(\n            number\n          )\n        ){\n\n          setField(\n            key,\n            number\n          );\n\n        }\n        else{\n\n          this.value =\n            formatField(\n              key,\n              Number(\n                field.range.value\n              )\n            );\n\n        }\n\n\n        markChanged();\n\n      }\n    );\n\n\n    field.input.addEventListener(\n      \"keydown\",\n      function(event){\n\n        if(\n          event.key === \"Enter\"\n        ){\n\n          event.preventDefault();\n\n          this.blur();\n\n        }\n\n      }\n    );\n\n  }\n);\n\n\n\/* COMPACT % INPUTS *\/\n\n[\n  \"stepup\",\n  \"inflation\"\n]\n.forEach(\n  function(key){\n\n    const field =\n      fields[key];\n\n\n    field.input.addEventListener(\n      \"focus\",\n      function(){\n\n        this.select();\n\n      }\n    );\n\n\n    field.input.addEventListener(\n      \"blur\",\n      function(){\n\n        const number =\n          extractNumber(\n            this.value\n          );\n\n\n        if(\n          Number.isFinite(\n            number\n          )\n        ){\n\n          const safe =\n            clamp(\n              number,\n              field.min,\n              field.max\n            );\n\n\n          this.value =\n            formatPercent(\n              safe\n            );\n\n        }\n        else{\n\n          this.value =\n            formatPercent(\n              key === \"stepup\"\n                ? 10\n                : 6\n            );\n\n        }\n\n\n        markChanged();\n\n      }\n    );\n\n\n    field.input.addEventListener(\n      \"keydown\",\n      function(event){\n\n        if(\n          event.key === \"Enter\"\n        ){\n\n          event.preventDefault();\n\n          this.blur();\n\n        }\n\n      }\n    );\n\n  }\n);\n\n\n\/* MODE *\/\n\n$$(\".fwb-mode\")\n.forEach(\n  function(button){\n\n    button.addEventListener(\n      \"click\",\n      function(){\n\n        state.mode =\n          this.dataset.mode;\n\n\n        $$(\".fwb-mode\")\n        .forEach(\n          function(item){\n\n            item.classList.toggle(\n              \"is-active\",\n              item === button\n            );\n\n          }\n        );\n\n\n        $('[data-field=\"sip\"]')\n          .classList.toggle(\n            \"fwb-hidden\",\n            state.mode === \"lumpsum\"\n          );\n\n\n        $('[data-field=\"lumpsum\"]')\n          .classList.toggle(\n            \"fwb-hidden\",\n            state.mode === \"sip\"\n          );\n\n\n        $('[data-field=\"stepup\"]')\n          .classList.toggle(\n            \"fwb-hidden\",\n            state.mode === \"lumpsum\"\n          );\n\n\n        $(\"#fwb-stepup-extra\")\n          .classList.toggle(\n            \"fwb-hidden\",\n            !state.stepUp ||\n            state.mode === \"lumpsum\"\n          );\n\n\n        markChanged();\n\n      }\n    );\n\n  }\n);\n\n\n\/* STEP-UP TOGGLE *\/\n\nconst stepUpToggle =\n  $(\"#fwb-stepup-toggle\");\n\n\nstepUpToggle.addEventListener(\n  \"change\",\n  function(){\n\n    state.stepUp =\n      this.checked;\n\n\n    $(\"#fwb-stepup-state\")\n      .textContent =\n      state.stepUp\n        ? \"Yes\"\n        : \"No\";\n\n\n    $(\"#fwb-stepup-extra\")\n      .classList.toggle(\n        \"fwb-hidden\",\n        !state.stepUp ||\n        state.mode === \"lumpsum\"\n      );\n\n\n    markChanged();\n\n  }\n);\n\n\n\/* INFLATION TOGGLE *\/\n\nconst inflationToggle =\n  $(\"#fwb-inflation-toggle\");\n\n\ninflationToggle.addEventListener(\n  \"change\",\n  function(){\n\n    state.inflation =\n      this.checked;\n\n\n    $(\"#fwb-inflation-state\")\n      .textContent =\n      state.inflation\n        ? \"Yes\"\n        : \"No\";\n\n\n    $(\"#fwb-inflation-extra\")\n      .classList.toggle(\n        \"fwb-hidden\",\n        !state.inflation\n      );\n\n\n    markChanged();\n\n  }\n);\n\n\n\/*\n=========================================================\nFINANCIAL CALCULATIONS\n=========================================================\n\nAnnual return is converted to an effective monthly rate:\n\n(1 + annual return)^(1\/12) - 1\n\nSIP contributions are treated as beginning-of-month\ncontributions.\n\n=========================================================\n*\/\n\n\nfunction monthlyRate(\n  annualRate\n){\n\n  if(\n    annualRate === 0\n  ){\n\n    return 0;\n\n  }\n\n\n  return Math.pow(\n    1 + annualRate,\n    1 \/ 12\n  ) - 1;\n\n}\n\n\n\/* SIP *\/\n\nfunction sipFutureValue(\n  monthlyInvestment,\n  annualRate,\n  months\n){\n\n  if(\n    months <= 0\n  ){\n\n    return 0;\n\n  }\n\n\n  const r =\n    monthlyRate(\n      annualRate\n    );\n\n\n  if(\n    r === 0\n  ){\n\n    return (\n      monthlyInvestment *\n      months\n    );\n\n  }\n\n\n  return (\n    monthlyInvestment *\n    (\n      (\n        Math.pow(\n          1 + r,\n          months\n        ) - 1\n      ) \/ r\n    ) *\n    (1 + r)\n  );\n\n}\n\n\n\/* LUMPSUM *\/\n\nfunction lumpsumFutureValue(\n  principal,\n  annualRate,\n  years\n){\n\n  return (\n    principal *\n    Math.pow(\n      1 + annualRate,\n      years\n    )\n  );\n\n}\n\n\n\/* STEP-UP SIP *\/\n\nfunction calculateStepUpSIP(\n  startingMonthly,\n  annualRate,\n  years,\n  annualIncrease\n){\n\n  const r =\n    monthlyRate(\n      annualRate\n    );\n\n\n  let corpus = 0;\n\n  let invested = 0;\n\n  let monthly =\n    startingMonthly;\n\n\n  for(\n    let year = 0;\n    year < years;\n    year++\n  ){\n\n    for(\n      let month = 0;\n      month < 12;\n      month++\n    ){\n\n      corpus +=\n        monthly;\n\n      corpus *=\n        (1 + r);\n\n      invested +=\n        monthly;\n\n    }\n\n\n    monthly *=\n      (1 + annualIncrease);\n\n  }\n\n\n  return {\n\n    corpus:corpus,\n\n    invested:invested\n\n  };\n\n}\n\n\n\/* MAIN CALCULATION *\/\n\nfunction calculate(){\n\n  const v = {\n\n    sip:\n      Number(\n        fields.sip.range.value\n      ),\n\n    lumpsum:\n      Number(\n        fields.lumpsum.range.value\n      ),\n\n    years:\n      Number(\n        fields.years.range.value\n      ),\n\n    rate:\n      Number(\n        fields.rate.range.value\n      ) \/ 100,\n\n    stepup:\n      extractNumber(\n        fields.stepup.input.value\n      ) \/ 100,\n\n    inflation:\n      extractNumber(\n        fields.inflation.input.value\n      ) \/ 100\n\n  };\n\n\n  let corpus = 0;\n\n  let invested = 0;\n\n\n  \/* LUMPSUM *\/\n\n  if(\n    state.mode === \"lumpsum\"\n  ){\n\n    invested =\n      v.lumpsum;\n\n\n    corpus =\n      lumpsumFutureValue(\n        v.lumpsum,\n        v.rate,\n        v.years\n      );\n\n  }\n\n\n  \/* SIP + LUMPSUM *\/\n\n  else if(\n    state.mode === \"combined\"\n  ){\n\n    const lumpCorpus =\n      lumpsumFutureValue(\n        v.lumpsum,\n        v.rate,\n        v.years\n      );\n\n\n    if(\n      state.stepUp\n    ){\n\n      const sip =\n        calculateStepUpSIP(\n          v.sip,\n          v.rate,\n          v.years,\n          v.stepup\n        );\n\n\n      corpus =\n        sip.corpus +\n        lumpCorpus;\n\n\n      invested =\n        sip.invested +\n        v.lumpsum;\n\n    }\n    else{\n\n      const months =\n        v.years * 12;\n\n\n      corpus =\n        sipFutureValue(\n          v.sip,\n          v.rate,\n          months\n        ) +\n        lumpCorpus;\n\n\n      invested =\n        (\n          v.sip *\n          months\n        ) +\n        v.lumpsum;\n\n    }\n\n  }\n\n\n  \/* SIP *\/\n\n  else{\n\n    if(\n      state.stepUp\n    ){\n\n      const sip =\n        calculateStepUpSIP(\n          v.sip,\n          v.rate,\n          v.years,\n          v.stepup\n        );\n\n\n      corpus =\n        sip.corpus;\n\n\n      invested =\n        sip.invested;\n\n    }\n    else{\n\n      const months =\n        v.years * 12;\n\n\n      corpus =\n        sipFutureValue(\n          v.sip,\n          v.rate,\n          months\n        );\n\n\n      invested =\n        v.sip *\n        months;\n\n    }\n\n  }\n\n\n  return {\n\n    corpus:\n      Math.max(\n        0,\n        corpus\n      ),\n\n    invested:\n      Math.max(\n        0,\n        invested\n      ),\n\n    growth:\n      Math.max(\n        0,\n        corpus - invested\n      ),\n\n    today:\n      state.inflation\n        ? corpus \/\n          Math.pow(\n            1 + v.inflation,\n            v.years\n          )\n        : null,\n\n    values:v\n\n  };\n\n}\n\n\n\/* DONUT *\/\n\nfunction drawDonut(\n  data\n){\n\n  const total =\n    data.corpus;\n\n  const invested =\n    data.invested;\n\n  const growth =\n    data.growth;\n\n\n  if(\n    total <= 0\n  ){\n\n    return;\n\n  }\n\n\n  const circumference =\n    2 *\n    Math.PI *\n    68;\n\n\n  const investedLength =\n    circumference *\n    (\n      invested \/\n      total\n    );\n\n\n  const growthLength =\n    circumference -\n    investedLength;\n\n\n  const investedPercent =\n    (\n      invested \/\n      total\n    ) *\n    100;\n\n\n  const growthPercent =\n    (\n      growth \/\n      total\n    ) *\n    100;\n\n\n  $(\"#fwb-donut\")\n    .innerHTML = `\n\n      <circle\n        cx=\"90\"\n        cy=\"90\"\n        r=\"68\"\n        fill=\"none\"\n        stroke=\"#edf2f6\"\n        stroke-width=\"18\"\/>\n\n      <circle\n        cx=\"90\"\n        cy=\"90\"\n        r=\"68\"\n        fill=\"none\"\n        stroke=\"#8b9aaa\"\n        stroke-width=\"18\"\n        stroke-dasharray=\"${investedLength} ${growthLength}\"\n        transform=\"rotate(-90 90 90)\"\/>\n\n      <circle\n        cx=\"90\"\n        cy=\"90\"\n        r=\"68\"\n        fill=\"none\"\n        stroke=\"#239447\"\n        stroke-width=\"18\"\n        stroke-dasharray=\"${growthLength} ${investedLength}\"\n        stroke-dashoffset=\"-${investedLength}\"\n        transform=\"rotate(-90 90 90)\"\/>\n\n      <text\n        x=\"90\"\n        y=\"86\"\n        text-anchor=\"middle\"\n        class=\"fwb-donut-center-number\">\n        ${Math.round(investedPercent)}%\n      <\/text>\n\n      <text\n        x=\"90\"\n        y=\"102\"\n        text-anchor=\"middle\"\n        class=\"fwb-donut-center-label\">\n        Invested\n      <\/text>\n\n    `;\n\n\n  $(\"#fwb-donut-invested\")\n    .textContent =\n    formatINR(\n      invested\n    );\n\n\n  $(\"#fwb-donut-growth\")\n    .textContent =\n    formatINR(\n      growth\n    );\n\n\n  $(\"#fwb-donut-invested-percent\")\n    .textContent =\n    investedPercent.toFixed(1) +\n    \"% of total value\";\n\n\n  $(\"#fwb-donut-growth-percent\")\n    .textContent =\n    growthPercent.toFixed(1) +\n    \"% of total value\";\n\n}\n\n\n\/* CHART POINTS *\/\n\nfunction buildChartPoints(\n  data\n){\n\n  const v =\n    data.values;\n\n  const points = [];\n\n\n  \/* LUMPSUM *\/\n\n  if(\n    state.mode === \"lumpsum\"\n  ){\n\n    for(\n      let year = 0;\n      year <= v.years;\n      year++\n    ){\n\n      points.push({\n\n        year:year,\n\n        corpus:\n          lumpsumFutureValue(\n            v.lumpsum,\n            v.rate,\n            year\n          ),\n\n        invested:\n          v.lumpsum\n\n      });\n\n    }\n\n\n    return points;\n\n  }\n\n\n  \/* STEP-UP *\/\n\n  if(\n    state.stepUp\n  ){\n\n    const r =\n      monthlyRate(\n        v.rate\n      );\n\n\n    let corpus = 0;\n\n    let invested = 0;\n\n    let monthly =\n      v.sip;\n\n\n    points.push({\n\n      year:0,\n\n      corpus:\n        state.mode === \"combined\"\n          ? v.lumpsum\n          : 0,\n\n      invested:\n        state.mode === \"combined\"\n          ? v.lumpsum\n          : 0\n\n    });\n\n\n    for(\n      let year = 1;\n      year <= v.years;\n      year++\n    ){\n\n      for(\n        let month = 0;\n        month < 12;\n        month++\n      ){\n\n        corpus +=\n          monthly;\n\n        corpus *=\n          (1 + r);\n\n        invested +=\n          monthly;\n\n      }\n\n\n      let totalCorpus =\n        corpus;\n\n      let totalInvested =\n        invested;\n\n\n      if(\n        state.mode === \"combined\"\n      ){\n\n        totalCorpus +=\n          lumpsumFutureValue(\n            v.lumpsum,\n            v.rate,\n            year\n          );\n\n        totalInvested +=\n          v.lumpsum;\n\n      }\n\n\n      points.push({\n\n        year:year,\n\n        corpus:\n          totalCorpus,\n\n        invested:\n          totalInvested\n\n      });\n\n\n      monthly *=\n        (1 + v.stepup);\n\n    }\n\n\n    return points;\n\n  }\n\n\n  \/* REGULAR SIP *\/\n\n  for(\n    let year = 0;\n    year <= v.years;\n    year++\n  ){\n\n    const months =\n      year * 12;\n\n\n    const sip =\n      sipFutureValue(\n        v.sip,\n        v.rate,\n        months\n      );\n\n\n    const sipInvested =\n      v.sip *\n      months;\n\n\n    if(\n      state.mode === \"combined\"\n    ){\n\n      points.push({\n\n        year:year,\n\n        corpus:\n          sip +\n          lumpsumFutureValue(\n            v.lumpsum,\n            v.rate,\n            year\n          ),\n\n        invested:\n          sipInvested +\n          v.lumpsum\n\n      });\n\n    }\n    else{\n\n      points.push({\n\n        year:year,\n\n        corpus:sip,\n\n        invested:sipInvested\n\n      });\n\n    }\n\n  }\n\n\n  return points;\n\n}\n\n\n\/* LINE CHART *\/\n\nfunction drawChart(\n  data\n){\n\n  const points =\n    buildChartPoints(\n      data\n    );\n\n\n  const W = 640;\n\n  const H = 185;\n\n  const L = 45;\n\n  const R = 15;\n\n  const T = 20;\n\n  const B = 28;\n\n\n  const PW =\n    W - L - R;\n\n  const PH =\n    H - T - B;\n\n\n  const years =\n    data.values.years;\n\n\n  const max =\n    Math.max(\n      1,\n      ...points.map(\n        point =>\n          Math.max(\n            point.corpus,\n            point.invested\n          )\n      )\n    );\n\n\n  const x =\n    year =>\n      L +\n      (\n        year \/\n        years\n      ) *\n      PW;\n\n\n  const y =\n    value =>\n      T +\n      PH -\n      (\n        value \/\n        max\n      ) *\n      PH;\n\n\n  function path(\n    key\n  ){\n\n    return points\n      .map(\n        function(\n          point,\n          index\n        ){\n\n          return (\n\n            index === 0\n              ? \"M\"\n              : \"L\"\n\n          ) +\n\n          \" \" +\n\n          x(\n            point.year\n          ).toFixed(2) +\n\n          \" \" +\n\n          y(\n            point[key]\n          ).toFixed(2);\n\n        }\n      )\n      .join(\" \");\n\n  }\n\n\n  const last =\n    points[\n      points.length - 1\n    ];\n\n\n  $(\"#fwb-chart\")\n    .innerHTML = `\n\n      <line\n        x1=\"${L}\"\n        y1=\"${T+PH}\"\n        x2=\"${W-R}\"\n        y2=\"${T+PH}\"\n        stroke=\"#dce7f1\"\n        stroke-width=\"1\"\/>\n\n      <line\n        x1=\"${L}\"\n        y1=\"${T+PH\/2}\"\n        x2=\"${W-R}\"\n        y2=\"${T+PH\/2}\"\n        stroke=\"#edf2f6\"\n        stroke-width=\"1\"\/>\n\n      <path\n        d=\"${path(\"invested\")}\"\n        fill=\"none\"\n        stroke=\"#8b9aaa\"\n        stroke-width=\"2\"\n        stroke-dasharray=\"5 5\"\/>\n\n      <path\n        d=\"${path(\"corpus\")}\"\n        fill=\"none\"\n        stroke=\"#0066d6\"\n        stroke-width=\"3\"\/>\n\n      <circle\n        cx=\"${x(last.year)}\"\n        cy=\"${y(last.corpus)}\"\n        r=\"4\"\n        fill=\"#0066d6\"\/>\n\n      <text\n        x=\"${L}\"\n        y=\"${H-7}\"\n        fill=\"#66788a\"\n        font-size=\"11\">\n        Year 0\n      <\/text>\n\n      <text\n        x=\"${W-R}\"\n        y=\"${H-7}\"\n        text-anchor=\"end\"\n        fill=\"#66788a\"\n        font-size=\"11\">\n        Year ${years}\n      <\/text>\n\n      <line\n        x1=\"${L}\"\n        y1=\"10\"\n        x2=\"${L+20}\"\n        y2=\"10\"\n        stroke=\"#0066d6\"\n        stroke-width=\"3\"\/>\n\n      <text\n        x=\"${L+26}\"\n        y=\"14\"\n        fill=\"#66788a\"\n        font-size=\"11\">\n        Estimated value\n      <\/text>\n\n      <line\n        x1=\"${L+137}\"\n        y1=\"10\"\n        x2=\"${L+157}\"\n        y2=\"10\"\n        stroke=\"#8b9aaa\"\n        stroke-width=\"2\"\n        stroke-dasharray=\"5 5\"\/>\n\n      <text\n        x=\"${L+163}\"\n        y=\"14\"\n        fill=\"#66788a\"\n        font-size=\"11\">\n        Investment\n      <\/text>\n\n    `;\n\n}\n\n\n\/* RENDER *\/\n\nfunction render(\n  data\n){\n\n  $(\"#fwb-result-value\")\n    .textContent =\n    formatINR(\n      data.corpus\n    );\n\n\n  $(\"#fwb-invested\")\n    .textContent =\n    formatINR(\n      data.invested\n    );\n\n\n  $(\"#fwb-growth\")\n    .textContent =\n    formatINR(\n      data.growth\n    );\n\n\n  $(\"#fwb-empty-message\")\n    .classList.add(\n      \"fwb-hidden\"\n    );\n\n\n  $(\"#fwb-donut-wrap\")\n    .style.display =\n    \"grid\";\n\n\n  $(\"#fwb-chart-wrap\")\n    .style.display =\n    \"block\";\n\n\n  drawDonut(\n    data\n  );\n\n\n  drawChart(\n    data\n  );\n\n\n  if(\n    state.inflation\n  ){\n\n    $(\"#fwb-today-card\")\n      .style.display =\n      \"block\";\n\n\n    $(\"#fwb-today-value\")\n      .textContent =\n      formatINR(\n        data.today\n      );\n\n  }\n  else{\n\n    $(\"#fwb-today-card\")\n      .style.display =\n      \"none\";\n\n  }\n\n\n  state.calculated =\n    true;\n\n\n  $(\"#fwb-changed\")\n    .textContent =\n    \"\";\n\n}\n\n\n\/* CALCULATE *\/\n\n$(\"#fwb-calculate\")\n  .addEventListener(\n    \"click\",\n    function(){\n\n      render(\n        calculate()\n      );\n\n    }\n  );\n\n\n\/* GOALS *\/\n\n$$(\".fwb-goal\")\n.forEach(\n  function(button){\n\n    button.addEventListener(\n      \"click\",\n      function(){\n\n        $$(\".fwb-goal\")\n        .forEach(\n          function(item){\n\n            item.classList.remove(\n              \"is-active\"\n            );\n\n          }\n        );\n\n\n        this.classList.add(\n          \"is-active\"\n        );\n\n      }\n    );\n\n  }\n);\n\n\n})();\n<\/script>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"aux-parallax-section elementor-element elementor-element-49d0f55d e-flex e-con-boxed e-con e-parent\" data-id=\"49d0f55d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-51de20e2 e-con-full e-flex e-con e-child\" data-id=\"51de20e2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3204c51d elementor-absolute elementor-widget elementor-widget-image\" data-id=\"3204c51d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.flowersmfd.in\/wp-content\/uploads\/elementor\/thumbs\/circle_shape-rsqwaz3oaryr3tkxrb4qto7l01z88221qce974d7rc.png\" title=\"circle_shape.png\" alt=\"circle_shape.png\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-424fc279 e-con-full e-flex e-con e-child\" data-id=\"424fc279\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-75c68b e-con-full e-flex e-con e-child\" data-id=\"75c68b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37668110 elementor-widget elementor-widget-elementskit-heading\" data-id=\"37668110\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">SIP, Growth and SWP \u2014  <span>Calculator<\/span><\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p class=\"PDq2pG_selectionAnchorContainer\">A normal SIP calculator mainly focuses on the accumulation period. A retirement-focused plan also needs to consider what happens <strong>after the investment phase<\/strong>.<\/p>\n<p>The Wealth Builder Calculator combines the accumulation, growth and retirement-income stages so you can view the complete journey in one projection.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11e56422 elementor-widget__width-initial elementor-align-center elementor-widget elementor-widget-elementskit-button\" data-id=\"11e56422\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/flowersmfd.in\/retirement-wealth-planner\/\" class=\"elementskit-btn  whitespace--normal\" id=\"\" rel=\"nofollow noopener\" target=\"_blank\">\n\t\t\t\t\tRetirement\u00a0Wealth\u00a0Planner<i class=\"icon icon-right-arrow\"><\/i>\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f1481da e-con-full e-flex e-con e-child\" data-id=\"2f1481da\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-377a2da6 elementor-widget__width-initial elementor-widget elementor-widget-elementskit-lottie\" data-id=\"377a2da6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-lottie.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div id=\"ekit_lottie_377a2da6\" class=\"ekit_lottie\" data-autoplay=\"true\" data-on-scroll=\"\" data-speed=\"0.5\" data-direction=\"\" data-action=\"\" data-renderer=\"svg\" data-path=\"https:\/\/flowersmfd.in\/wp-content\/uploads\/2026\/09\/notification.json\" data-loop=\"1\">&nbsp;<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"aux-parallax-section elementor-element elementor-element-1f0d978 e-flex e-con-boxed e-con e-parent\" data-id=\"1f0d978\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8eb6a17 elementor-widget elementor-widget-html\" data-id=\"8eb6a17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================================================\r\n     FLOWERS MFD \u2014 WEALTH BUILDER FAQ\r\n     Accordion + FAQPage Structured Data\r\n     ========================================================= -->\r\n\r\n<section class=\"fmfd-wb-faq\" aria-labelledby=\"fmfd-wb-faq-title\">\r\n\r\n  <div class=\"fmfd-wb-faq-header\">\r\n    <h2 id=\"fmfd-wb-faq-title\">\r\n      Frequently Asked Questions\r\n    <\/h2>\r\n\r\n    <p>\r\n      Common questions about the Wealth Builder Calculator,\r\n      SIP, step-up investing, growth periods and retirement income.\r\n    <\/p>\r\n  <\/div>\r\n\r\n\r\n  <div class=\"fmfd-wb-faq-list\">\r\n\r\n    <!-- FAQ 1 -->\r\n    <div class=\"fmfd-wb-faq-item\">\r\n\r\n      <button\r\n        type=\"button\"\r\n        class=\"fmfd-wb-faq-question\"\r\n        aria-expanded=\"false\"\r\n        aria-controls=\"fmfd-wb-faq-answer-1\">\r\n\r\n        <span>What is a Wealth Builder (SIP) Calculator?<\/span>\r\n        <span class=\"fmfd-wb-faq-icon\">+<\/span>\r\n\r\n      <\/button>\r\n\r\n      <div\r\n        id=\"fmfd-wb-faq-answer-1\"\r\n        class=\"fmfd-wb-faq-answer\"\r\n        hidden>\r\n\r\n        <p>\r\n          A Wealth Builder Calculator helps you estimate how your\r\n          investments may grow over time and how the accumulated\r\n          corpus could support your retirement income. It combines\r\n          the investment phase, growth phase and retirement withdrawal\r\n          phase into one long-term projection.\r\n        <\/p>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- FAQ 2 -->\r\n    <div class=\"fmfd-wb-faq-item\">\r\n\r\n      <button\r\n        type=\"button\"\r\n        class=\"fmfd-wb-faq-question\"\r\n        aria-expanded=\"false\"\r\n        aria-controls=\"fmfd-wb-faq-answer-2\">\r\n\r\n        <span>Can I increase my SIP every year?<\/span>\r\n        <span class=\"fmfd-wb-faq-icon\">+<\/span>\r\n\r\n      <\/button>\r\n\r\n      <div\r\n        id=\"fmfd-wb-faq-answer-2\"\r\n        class=\"fmfd-wb-faq-answer\"\r\n        hidden>\r\n\r\n        <p>\r\n          Yes. The Wealth Builder Calculator includes an annual\r\n          step-up option. You can specify a percentage by which your\r\n          monthly SIP increases each year. This helps illustrate how\r\n          gradually increasing your investment may affect the projected\r\n          wealth over the selected investment period.\r\n        <\/p>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- FAQ 3 -->\r\n    <div class=\"fmfd-wb-faq-item\">\r\n\r\n      <button\r\n        type=\"button\"\r\n        class=\"fmfd-wb-faq-question\"\r\n        aria-expanded=\"false\"\r\n        aria-controls=\"fmfd-wb-faq-answer-3\">\r\n\r\n        <span>What happens if I stop my SIP before retirement?<\/span>\r\n        <span class=\"fmfd-wb-faq-icon\">+<\/span>\r\n\r\n      <\/button>\r\n\r\n      <div\r\n        id=\"fmfd-wb-faq-answer-3\"\r\n        class=\"fmfd-wb-faq-answer\"\r\n        hidden>\r\n\r\n        <p>\r\n          You can stop regular SIP investments at the end of your\r\n          selected SIP period and allow the accumulated corpus to\r\n          remain invested during a subsequent growth period. The\r\n          calculator separates this period from the SIP phase so you\r\n          can see how the corpus may grow before retirement withdrawals\r\n          begin.\r\n        <\/p>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- FAQ 4 -->\r\n    <div class=\"fmfd-wb-faq-item\">\r\n\r\n      <button\r\n        type=\"button\"\r\n        class=\"fmfd-wb-faq-question\"\r\n        aria-expanded=\"false\"\r\n        aria-controls=\"fmfd-wb-faq-answer-4\">\r\n\r\n        <span>What is the growth period in the Wealth Builder?<\/span>\r\n        <span class=\"fmfd-wb-faq-icon\">+<\/span>\r\n\r\n      <\/button>\r\n\r\n      <div\r\n        id=\"fmfd-wb-faq-answer-4\"\r\n        class=\"fmfd-wb-faq-answer\"\r\n        hidden>\r\n\r\n        <p>\r\n          The growth period is the time between the end of your regular\r\n          SIP investment phase and the beginning of your retirement\r\n          withdrawal phase. During this period, no regular SIP or SWP\r\n          is assumed in the calculator, while the existing corpus\r\n          continues to be projected using the selected expected return.\r\n        <\/p>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- FAQ 5 -->\r\n    <div class=\"fmfd-wb-faq-item\">\r\n\r\n      <button\r\n        type=\"button\"\r\n        class=\"fmfd-wb-faq-question\"\r\n        aria-expanded=\"false\"\r\n        aria-controls=\"fmfd-wb-faq-answer-5\">\r\n\r\n        <span>Can the Wealth Builder calculate retirement income?<\/span>\r\n        <span class=\"fmfd-wb-faq-icon\">+<\/span>\r\n\r\n      <\/button>\r\n\r\n      <div\r\n        id=\"fmfd-wb-faq-answer-5\"\r\n        class=\"fmfd-wb-faq-answer\"\r\n        hidden>\r\n\r\n        <p>\r\n          Yes. You can enter your expected monthly retirement income,\r\n          expected return during the withdrawal phase and retirement\r\n          inflation assumptions. The calculator then estimates how the\r\n          retirement corpus may support the planned withdrawals over\r\n          the selected period.\r\n        <\/p>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- FAQ 6 -->\r\n    <div class=\"fmfd-wb-faq-item\">\r\n\r\n      <button\r\n        type=\"button\"\r\n        class=\"fmfd-wb-faq-question\"\r\n        aria-expanded=\"false\"\r\n        aria-controls=\"fmfd-wb-faq-answer-6\">\r\n\r\n        <span>Does the Wealth Builder guarantee investment returns?<\/span>\r\n        <span class=\"fmfd-wb-faq-icon\">+<\/span>\r\n\r\n      <\/button>\r\n\r\n      <div\r\n        id=\"fmfd-wb-faq-answer-6\"\r\n        class=\"fmfd-wb-faq-answer\"\r\n        hidden>\r\n\r\n        <p>\r\n          No. The results are illustrative estimates based on the\r\n          assumptions entered into the calculator. Actual investment\r\n          returns may be higher or lower, and mutual fund investments\r\n          are subject to market risks. The calculator is intended for\r\n          educational and planning purposes and does not constitute\r\n          investment advice.\r\n        <\/p>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- FAQ 7 -->\r\n    <div class=\"fmfd-wb-faq-item\">\r\n\r\n      <button\r\n        type=\"button\"\r\n        class=\"fmfd-wb-faq-question\"\r\n        aria-expanded=\"false\"\r\n        aria-controls=\"fmfd-wb-faq-answer-7\">\r\n\r\n        <span>Can I use the calculator for retirement planning?<\/span>\r\n        <span class=\"fmfd-wb-faq-icon\">+<\/span>\r\n\r\n      <\/button>\r\n\r\n      <div\r\n        id=\"fmfd-wb-faq-answer-7\"\r\n        class=\"fmfd-wb-faq-answer\"\r\n        hidden>\r\n\r\n        <p>\r\n          Yes. The calculator is designed to illustrate a complete\r\n          journey from regular SIP investing through a possible\r\n          growth-only period and into retirement income planning.\r\n          You can adjust the investment period, expected returns,\r\n          retirement age and withdrawal assumptions to explore\r\n          different scenarios.\r\n        <\/p>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n\r\n<style>\r\n\r\n\/* =========================================================\r\n   FAQ SECTION\r\n   ========================================================= *\/\r\n\r\n.fmfd-wb-faq {\r\n  width: 100%;\r\n  max-width: 900px;\r\n  margin: 45px auto 35px;\r\n  padding: 0 18px;\r\n  box-sizing: border-box;\r\n}\r\n\r\n\r\n\/* HEADER *\/\r\n\r\n.fmfd-wb-faq-header {\r\n  text-align: center;\r\n  margin-bottom: 22px;\r\n}\r\n\r\n.fmfd-wb-faq-header h2 {\r\n  margin: 0 0 8px;\r\n\r\n  color: #082c46;\r\n\r\n  font-size: 28px;\r\n  line-height: 1.25;\r\n  font-weight: 800;\r\n}\r\n\r\n.fmfd-wb-faq-header p {\r\n  max-width: 700px;\r\n  margin: 0 auto;\r\n\r\n  color: #687d8d;\r\n\r\n  font-size: 13px;\r\n  line-height: 1.6;\r\n}\r\n\r\n\r\n\/* FAQ LIST *\/\r\n\r\n.fmfd-wb-faq-list {\r\n  display: flex;\r\n  flex-direction: column;\r\n  gap: 9px;\r\n}\r\n\r\n\r\n\/* ITEM *\/\r\n\r\n.fmfd-wb-faq-item {\r\n  background: #ffffff;\r\n\r\n  border: 1px solid #dce6ee;\r\n  border-radius: 9px;\r\n\r\n  overflow: hidden;\r\n\r\n  transition:\r\n    border-color .2s ease,\r\n    box-shadow .2s ease;\r\n}\r\n\r\n.fmfd-wb-faq-item.open {\r\n  border-color: #b9d7ec;\r\n  box-shadow: 0 3px 12px rgba(20,55,80,.06);\r\n}\r\n\r\n\r\n\/* QUESTION *\/\r\n\r\n.fmfd-wb-faq-question {\r\n  width: 100%;\r\n\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: space-between;\r\n\r\n  gap: 15px;\r\n\r\n  padding: 16px 18px;\r\n\r\n  border: 0;\r\n  background: #ffffff;\r\n\r\n  color: #17324a;\r\n\r\n  text-align: left;\r\n\r\n  font-family: inherit;\r\n  font-size: 14px;\r\n  font-weight: 700;\r\n\r\n  cursor: pointer;\r\n}\r\n\r\n.fmfd-wb-faq-question:hover {\r\n  background: #f7fbfe;\r\n}\r\n\r\n\r\n\/* ICON *\/\r\n\r\n.fmfd-wb-faq-icon {\r\n  flex: 0 0 auto;\r\n\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n\r\n  width: 24px;\r\n  height: 24px;\r\n\r\n  border-radius: 50%;\r\n\r\n  background: #eef7ff;\r\n  color: #0876d1;\r\n\r\n  font-size: 18px;\r\n  font-weight: 500;\r\n\r\n  transition:\r\n    transform .2s ease,\r\n    background .2s ease;\r\n}\r\n\r\n.fmfd-wb-faq-item.open\r\n.fmfd-wb-faq-icon {\r\n  background: #0876d1;\r\n  color: #ffffff;\r\n\r\n  transform: rotate(45deg);\r\n}\r\n\r\n\r\n\/* ANSWER *\/\r\n\r\n.fmfd-wb-faq-answer {\r\n  padding: 0 18px 17px;\r\n\r\n  color: #617687;\r\n\r\n  font-size: 12px;\r\n  line-height: 1.7;\r\n}\r\n\r\n.fmfd-wb-faq-answer p {\r\n  margin: 0;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   MOBILE\r\n   ========================================================= *\/\r\n\r\n@media (max-width: 600px) {\r\n\r\n  .fmfd-wb-faq {\r\n    margin-top: 30px;\r\n    padding: 0 10px;\r\n  }\r\n\r\n  .fmfd-wb-faq-header {\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .fmfd-wb-faq-header h2 {\r\n    font-size: 21px;\r\n  }\r\n\r\n  .fmfd-wb-faq-header p {\r\n    font-size: 11px;\r\n  }\r\n\r\n  .fmfd-wb-faq-question {\r\n    padding: 13px 13px;\r\n\r\n    font-size: 12px;\r\n  }\r\n\r\n  .fmfd-wb-faq-answer {\r\n    padding: 0 13px 14px;\r\n\r\n    font-size: 11px;\r\n    line-height: 1.65;\r\n  }\r\n\r\n  .fmfd-wb-faq-icon {\r\n    width: 22px;\r\n    height: 22px;\r\n\r\n    font-size: 16px;\r\n  }\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<script>\r\n\r\n(function () {\r\n\r\n  function initWealthBuilderFAQ() {\r\n\r\n    var items =\r\n      document.querySelectorAll(\r\n        '.fmfd-wb-faq-item'\r\n      );\r\n\r\n    if (!items.length) return;\r\n\r\n\r\n    items.forEach(function (item) {\r\n\r\n      var button =\r\n        item.querySelector(\r\n          '.fmfd-wb-faq-question'\r\n        );\r\n\r\n      var answer =\r\n        item.querySelector(\r\n          '.fmfd-wb-faq-answer'\r\n        );\r\n\r\n\r\n      button.addEventListener(\r\n        'click',\r\n        function () {\r\n\r\n          var isOpen =\r\n            button.getAttribute(\r\n              'aria-expanded'\r\n            ) === 'true';\r\n\r\n\r\n          \/* Close other FAQs *\/\r\n\r\n          items.forEach(function (otherItem) {\r\n\r\n            var otherButton =\r\n              otherItem.querySelector(\r\n                '.fmfd-wb-faq-question'\r\n              );\r\n\r\n            var otherAnswer =\r\n              otherItem.querySelector(\r\n                '.fmfd-wb-faq-answer'\r\n              );\r\n\r\n            otherItem.classList.remove('open');\r\n\r\n            otherButton.setAttribute(\r\n              'aria-expanded',\r\n              'false'\r\n            );\r\n\r\n            otherAnswer.hidden = true;\r\n\r\n          });\r\n\r\n\r\n          \/* Open selected FAQ *\/\r\n\r\n          if (!isOpen) {\r\n\r\n            item.classList.add('open');\r\n\r\n            button.setAttribute(\r\n              'aria-expanded',\r\n              'true'\r\n            );\r\n\r\n            answer.hidden = false;\r\n\r\n          }\r\n\r\n        }\r\n      );\r\n\r\n    });\r\n\r\n  }\r\n\r\n\r\n  if (\r\n    document.readyState === 'loading'\r\n  ) {\r\n\r\n    document.addEventListener(\r\n      'DOMContentLoaded',\r\n      initWealthBuilderFAQ\r\n    );\r\n\r\n  } else {\r\n\r\n    initWealthBuilderFAQ();\r\n\r\n  }\r\n\r\n})();\r\n\r\n<\/script>\r\n\r\n\r\n<!-- =========================================================\r\n     FAQ PAGE STRUCTURED DATA\r\n     ========================================================= -->\r\n\r\n<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"FAQPage\",\r\n  \"mainEntity\": [\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"What is a Wealth Builder Calculator?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"A Wealth Builder Calculator helps you estimate how your investments may grow over time and how the accumulated corpus could support your retirement income. It combines the investment phase, growth phase and retirement withdrawal phase into one long-term projection.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Can I increase my SIP every year?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"Yes. The Wealth Builder Calculator includes an annual step-up option. You can specify a percentage by which your monthly SIP increases each year. This helps illustrate how gradually increasing your investment may affect the projected wealth over the selected investment period.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"What happens if I stop my SIP before retirement?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"You can stop regular SIP investments at the end of your selected SIP period and allow the accumulated corpus to remain invested during a subsequent growth period. The calculator separates this period from the SIP phase so you can see how the corpus may grow before retirement withdrawals begin.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"What is the growth period in the Wealth Builder?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"The growth period is the time between the end of your regular SIP investment phase and the beginning of your retirement withdrawal phase. During this period, no regular SIP or SWP is assumed in the calculator, while the existing corpus continues to be projected using the selected expected return.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Can the Wealth Builder calculate retirement income?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"Yes. You can enter your expected monthly retirement income, expected return during the withdrawal phase and retirement inflation assumptions. The calculator then estimates how the retirement corpus may support the planned withdrawals over the selected period.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Does the Wealth Builder guarantee investment returns?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"No. The results are illustrative estimates based on the assumptions entered into the calculator. Actual investment returns may be higher or lower, and mutual fund investments are subject to market risks. The calculator is intended for educational and planning purposes and does not constitute investment advice.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Can I use the calculator for retirement planning?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"Yes. The calculator is designed to illustrate a complete journey from regular SIP investing through a possible growth-only period and into retirement income planning. You can adjust the investment period, expected returns, retirement age and withdrawal assumptions to explore different scenarios.\"\r\n      }\r\n    }\r\n  ]\r\n}\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>SIP Calculator \u2013 Investment Wealth Builder Calculate how your SIP investment could grow over time. How would you like to invest? Monthly SIP Lumpsum SIP + Lumpsum Monthly Investment \u20b9500 \u20b910 Lakh Initial Investment \u20b91,000 \u20b95 Crore Investment Period 1 Year 50 Years Expected Annual Return 0% 30% Increase SIP every year? No Annual: Account [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12704","page","type-page","status-publish","hentry"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"boopathi.giri","author_link":"https:\/\/www.flowersmfd.in\/ta\/author\/boopathi-giri\/"},"rttpg_comment":0,"rttpg_category":null,"rttpg_excerpt":"SIP Calculator \u2013 Investment Wealth Builder Calculate how your SIP investment could grow over time. How would you like to invest? Monthly SIP Lumpsum SIP + Lumpsum Monthly Investment \u20b9500 \u20b910 Lakh Initial Investment \u20b91,000 \u20b95 Crore Investment Period 1 Year 50 Years Expected Annual Return 0% 30% Increase SIP every year? No Annual: Account&hellip;","_links":{"self":[{"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/pages\/12704","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/comments?post=12704"}],"version-history":[{"count":3,"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/pages\/12704\/revisions"}],"predecessor-version":[{"id":12940,"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/pages\/12704\/revisions\/12940"}],"wp:attachment":[{"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/media?parent=12704"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}