Seafarer Wealth Builder Calculator 2026 — Free Tool

Your Current Situation

Your Rank

Typical salary will auto-fill below

Ship Type

Monthly Salary (USD) — Edit if different

$3500 / month

Based on rank + ship type. Drag to adjust your actual CBA.

Contract Length

Contracts Per Year

USD / INR Exchange Rate

Current approximate rate

Current Savings (₹ Lakh)

Existing corpus (enter 0 if starting fresh)

Monthly India Expenses (₹)

₹30,000 / month

Family expenses at home while you're on ship

Your Annual Earnings & Tax Picture

Gross Annual (USD)
—
Total salary earned at sea

Gross Annual (INR)
—
At current exchange rate

Tax Saved (NRI Benefit)

—

vs 30% slab on shore income

Net Take-Home (INR)

—

After India expenses (annual)

Days at Sea / Year

—

To qualify for NRI status: 182+ days

NRI Status

—

Based on days sailed

Annual Investable Surplus

—

Net take-home minus expenses

Recommended Monthly SIP

—

40% of surplus deployed monthly

Your 20-Year Wealth Projection (12% CAGR)

Year	Annual Contribution	Corpus Value	Milestone

⚠️ Projection assumes 12% CAGR (historical Indian equity MF average). Not financial advice. Actual returns vary. For personalised advice, consult a SEBI-registered advisor.

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