vybe.Beta · work in progress
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

15.00 L
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).

Before / after

Increase SIP by ₹5,000

Financial Freedom age
56.7
54.8
Years to freedom
26.7
24.8
Corpus at freedom
₹8.52 Cr
₹7.69 Cr

Same assumptions as your base case · illustrative, not a forecast.

Freedom trajectory · with extra SIP

Target ₹7.65 Cr
Age 30Age 54
Projected corpus by age
PointValue
Age 30₹15.00 L
Age 31₹21.15 L
Age 32₹28.02 L
Age 33₹35.68 L
Age 34₹44.23 L
Age 35₹53.77 L
Age 36₹64.41 L
Age 37₹76.28 L
Age 38₹89.52 L
Age 39₹1.04 Cr
Age 40₹1.21 Cr
Age 41₹1.39 Cr
Age 42₹1.60 Cr
Age 43₹1.83 Cr
Age 44₹2.08 Cr
Age 45₹2.37 Cr
Age 46₹2.68 Cr
Age 47₹3.04 Cr
Age 48₹3.44 Cr
Age 49₹3.88 Cr
Age 50₹4.37 Cr
Age 51₹4.92 Cr
Age 52₹5.53 Cr
Age 53₹6.22 Cr
Age 54₹6.98 Cr

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