What-if · Simulator

One knob at a time. See what your future does.

Change one number — extra SIP, pay cut, sabbatical, home loan. See how your Financial Freedom (FIRE) year moves. All rule-based, and encrypted on your device.

Your base case

Current age

Monthly SIP (₹)

Total savings & investments today (₹)15.00 L

Monthly expense (₹)

Target retirement age

Expected equity return: 11%

Base result

Financial Freedom at age 56.7

Target amount: ₹8.51 Cr · You reach it in ~26.7 yrs.

Assumes 11% CAGR, 6% inflation, 25× yearly-expense target (a.k.a. FIRE).

Scenarios

+₹5K SIP

Step up SIP by ₹5,000/month

Financial Freedom at age 54.8

▼ 1.8 yr

+₹10K SIP

Aggressive step-up

Financial Freedom at age 53.2

▼ 3.5 yr

10% pay cut

SIP drops proportionally

Financial Freedom at age 57.9

▲ 1.3 yr

1-yr sabbatical

No SIP for 12 months, then resume

Financial Freedom at age 59.8

▲ 3.1 yr

Cut expenses 15%

Lower spend = lower FIRE target

Financial Freedom at age 53.8

▼ 2.8 yr

Home loan (₹4L EMI/yr)

SIP drops by that much

Financial Freedom at age 70.0

▲ 13.3 yr

Poor returns (9%)

Conservative equity assumption

Financial Freedom at age 68.6

▲ 11.9 yr