Your numbers
Used to project years to your number.
Everything you've already got invested toward this goal.
What you actually put toward savings and investing each month.
What you expect to actually spend per year once retired, in today's money.
Higher stock allocation means higher expected growth but a bumpier ride.
Real annual return: stocks / bonds. Historical is based on 20th-century US market data; cautious is more conservative.
How much of your portfolio you draw down each year in retirement.
What this means for you
Years to financial independence
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Your FI number
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Monthly gap to close
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Indian savers typically build wealth across EPF (mandatory, employer-linked), PPF, and NPS alongside personal investments. This lite model doesn't split them out — the deep edition will.
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The SG, AU, and IL editions model each country's real pension/tax system in depth. India is next in line if enough people ask for it — join the waitlist and tell us.
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