Free Tools
Simple calculators with conservative assumptions and clear outputs.
Starter values use practical family income targets: about $150,000 (US) and ₹48,00,000 (India).
Use the India/US toggle to switch currency, chart scale, and number format.
1) Compound Interest Calculator
See long-term growth and inflation-adjusted value.
Quick start: Starter profile: family income around ₹48,00,000.
Future value (nominal)
₹6,38,91,343
₹6,38,91,343
Future value (real)
₹2,40,79,975
₹2,40,79,975
Total contributions
₹2,55,00,000
₹2,55,00,000
Total growth
₹3,83,91,343
₹3,83,91,343
Summary
Green is total balance. Blue is your contribution total.
- • Nominal shows total growth. Real adjusts for inflation.
- • Arrival threshold: ₹10 Cr projected portfolio
- • Real value at year 20: ₹2,40,79,975
Scale
Current scale: Thriving (90/100)
System is strong. Stay consistent.
Next step: Increase monthly investing by 10% after each raise.
2) FI Calculator + Timeline + Scenarios
Estimate your FI target and timeline.
Quick start: Starter profile: family income around ₹48,00,000.
FI number
₹9,00,00,000
₹9,00,00,000
Years to FI
32 years
Target year
2058
Discipline score
80/100
Scenario timeline
If returns are 6%
48 years
If returns are 8%
32 years
If returns are 10%
25 years
Summary
At your current pace, FI is around 2058.
- • FI number is annual expenses divided by withdrawal rate. Timeline is shown in real terms.
- • FI target in today's money: ₹9,00,00,000
Scale
Current scale: Stable (80/100)
Good base. Keep fixed costs and automation tight.
Next step: Reduce fixed costs to speed up FI.
3) Savings Rate Protection (Lifestyle Creep Guard)
Protect savings rate by tracking fixed costs and spending mix.
Quick start: Starter profile: family income around ₹48,00,000.
Savings
₹16,00,000
₹16,00,000
Savings rate
33.3%
Fixed cost ratio
41.7%
Discipline score
100/100
Spending breakdown with values
Fixed expenses
₹20,00,000
41.7%
Variable joy
₹7,00,000
14.6%
Other expenses
₹5,00,000
10.4%
Savings
₹16,00,000
33.3%
Summary
Fixed costs decide how flexible your plan stays.
- • Savings rate is healthy.
- • Current savings rate: 33.3%
Scale
Current scale: Thriving (100/100)
System is strong. Stay consistent.
Next step: Savings rate is above 25%. Keep fixed costs controlled.
4) Withdrawal Sustainability (Conservative)
Stress-test withdrawals with conservative assumptions.
Quick start: Starter profile: family income around ₹48,00,000.
Sustainable
Yes
Ending portfolio
₹6,84,70,121
₹6,84,70,121
Discipline score
90/100
Total withdrawals
₹23,43,92,532
₹23,43,92,532
Summary
Green is portfolio. Blue is annual withdrawal by age.
- • Withdrawals rise with inflation. Real spending change starts at your chosen age.
- • Current age: 37
- • Spending decline starts at age: 55
- • Real spending change assumption: -0.5% per year
- • Sustainable means withdrawals stayed funded for the full horizon.
- • Total nominal withdrawals over 30 years: ₹23,43,92,532
- • Total withdrawals in today's purchasing power: ₹10,66,21,421
Scale
Current scale: Thriving (90/100)
System is strong. Stay consistent.
Next step: Conservative assumptions are working. Review yearly.