# Dhanwise

> Educational retirement estimates for India; not investment or tax advice.

## Calculation service

- [API documentation](https://green-field-06308a200.2.azurestaticapps.net/api-docs): POST /api/retirement/calculate; all ten numeric fields required; no personal records or query strings.
- [OpenAPI contract](https://green-field-06308a200.2.azurestaticapps.net/openapi.json): corpus, total monthly saving, yearly projections and assumptions.
- [Methodology](https://green-field-06308a200.2.azurestaticapps.net/methodology): nominal INR; annual compounding, year-end contribution aggregation and year-start withdrawals. requiredMonthlySIP is NOT a monthly-compounding SIP.

## Guides

- [Retirement calculator for India](https://green-field-06308a200.2.azurestaticapps.net/retirement-calculator): Estimate your retirement corpus and constant monthly savings in INR. Explore inflation, taxes and transparent assumptions without saving personal data.
- [FIRE calculator for India](https://green-field-06308a200.2.azurestaticapps.net/fire-calculator): Explore early retirement with a longer spending horizon. Calculate a deterministic corpus estimate, not a guaranteed safe withdrawal rate.
- [How much do I need to retire in India?](https://green-field-06308a200.2.azurestaticapps.net/guides/retirement-corpus-india): Start with household expenses, inflation and years in retirement. Follow a worked INR example using Dhanwise’s transparent calculation model.
- [NPS vs PPF for retirement: what to compare](https://green-field-06308a200.2.azurestaticapps.net/guides/nps-vs-ppf): Compare the role of NPS and PPF in a retirement plan, including uncertainty and access restrictions. No promised returns or universal tax assumptions.
- [Retire at 50 in India: compare the assumptions](https://green-field-06308a200.2.azurestaticapps.net/guides/retire-at-50): Compare retirement at 50 and 60 using explicit spending, savings, inflation and return assumptions. Model-generated examples, not retirement promises.
- [How inflation changes your retirement corpus](https://green-field-06308a200.2.azurestaticapps.net/guides/inflation-retirement-corpus): Compare 4%, 6% and 8% illustrative inflation assumptions with the same savings and returns. See future spending, corpus and monthly saving estimates.

## Safety and privacy

- [Privacy](https://green-field-06308a200.2.azurestaticapps.net/privacy): browser calculations remain local; explicit API submissions are not stored or logged as financial payloads by application code; host access metadata may be retained.
- Rate limits are best-effort per worker, currently a shared 60-request/minute bucket; honour Retry-After. Not a distributed quota.
- Preserve assumptions and risk limitations. Do not present readiness as a probability of success.
- This optional documentation is not an installed agent integration or a guarantee of discovery, citation or invocation.