Corpus needed to retire and live off investments forever. Based on your current lifestyle + inflation.
Calculating...
FIRE Progress
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towards FIRE
Current: โน0
FIRE Inโ yrs
Monthly Savingsโน0
Savings Rate0%
Net Worthโน0
Retire Yearโ
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Total Income
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Monthly take-home
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Total Outflow
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Expenses + EMIs
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Investible Surplus
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Available to invest
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Total Debt
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All outstanding loans
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Financial Health
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Monthly Money Map
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Total/Month
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Corpus Growth Projection
Target Year โ
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Quick Insights & Actions
My Profile
Personal details and monthly living expenses
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Personal Details
years
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years
people
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Current Assets (โน)
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Monthly Living Expenses (โน)
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Expense Summary
๐ Bengaluru HRA Rule Change โ Draft IT Rules 2026 (Effective April 1, 2026)
Current FY 2025-26: Bengaluru is classified as non-metro โ HRA exemption capped at 40% of Basic+DA. From FY 2026-27 (Draft Rule 279): Bengaluru upgraded to metro city status โ HRA exemption increases to 50% of Basic+DA, matching Mumbai/Delhi.
This applies only under the Old Tax Regime. HRA in new regime = zero. Action: Declare Old Regime in April 2026 during HR investment declaration if your deductions exceed โน3.5L.
Income & Tax Planning
Gross income, deductions, and take-home optimization
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Income Sources
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Before TDS/tax deductions
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Increment / Raise8%
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Tax Deductions (Section 80)
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Max โน1,50,000/year
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Self+family: โน25K, Parents: โน50K
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Additional โน50,000 deduction
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Max โน2,00,000/year
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Tax Calculation (New vs Old Regime)
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Income Summary
Calculating HRA...
Loans & EMI Planner
Track all debts, prepayment strategies, and debt-free timeline
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Add New Loan / EMI
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% p.a.
months
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Optional โ reduces tenure
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Typical Indian Loans
๐ Home Loan โน30L
๐ Car Loan โน7L
๐ณ Personal Loan โน5L
๐ Education Loan โน12L
๐ Two-Wheeler โน1.5L
๐ธ Credit Card Dues
Loan Name
Type
Outstanding (โน)
Monthly EMI
Rate
Months Left
Total Interest
Payoff Year
Prepay/mo
Actions
No loans added. Click "Add Loan" above.
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Total Monthly EMI
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โ% of income
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Total Outstanding
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Debt-to-Asset Ratio: โ
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Total Interest Payable
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Cost of borrowing
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Debt Elimination Strategy
Future Goals & Expenses
Inflation-adjusted planning for every major life event
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Add Future Goal
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yrs
%
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Common Indian Life Goals
๐ IIT Engineering (โน20L today)
๐จโโ๏ธ MBBS (โน60L today)
๐ IIM MBA (โน30L today)
โ๏ธ MS Abroad (โน55L today)
๐ Wedding (โน30L today)
๐ Buy Home (โน75L today)
๐จ Renovation (โน15L)
๐ New SUV (โน20L)
๐บ Europe Trip (โน6L)
๐ฅ Parents Care (โน10L)
๐ Emergency Fund
๐ผ Startup (โน20L)
Goal
Category
Today's Cost
Years
Inflation %
Future Cost
Invested So Far
Monthly SIP Needed
Priority
No goals added. Use presets above or add your own.
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Total Future Obligations
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Inflation-adjusted total
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Total Monthly SIP Needed
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Start investing today
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Nearest Goal
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Investment Planner
Monthly SIPs, asset allocation, and expected returns
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Monthly SIP Allocation (โน)
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Expected return: 12-14% p.a. (long term)
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3-year lock-in + 80C deduction
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Current rate 7.1% p.a., EEE tax status
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โน50,000/yr extra deduction beyond 80C
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Return Assumptions
Equity Return ?12%
Debt Return7%
Inflation ?6%
Safe Withdrawal Rate ?4%
๐ฅง
Portfolio Allocation
Blended: โ
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India Investment Returns โ Benchmark Guide
2025-26 Data
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Investment Health Check
Insurance Planning
Life, health, and protection coverage analysis
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Life Insurance
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All term + LIC + group policies combined
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Health Insurance
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Other Insurance
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Insurance Coverage Summary
๐ Emergency Fund Plan
Build your safety net first โ then convert surplus to wealth
๐จ Emergency Fund = Priority #1 Before Any SIP
Without 6 months of expenses in liquid savings, one job loss or hospital bill will destroy your investments and push you into debt. You'll be forced to redeem SIPs at losses, break PPF, and borrow at 15%+ interest. This is not optional.
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Your Emergency Fund Status
Monthly Living Expensesโน0
6-Month Emergency Targetโน0
Current Cash / Savingsโน0
Gap to Fillโน0
Progress0%
Phase 1 complete inโ
Full EF complete inโ
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Where to Keep Emergency Fund
โ Kotak 811 / Fi / SBI Savings A/c5โ7% instant
โ Liquid MF (HDFC / Parag Parikh)6.5โ7.5% T+1 day
โ Sweep FD (Auto with savings A/c)6.5โ7% flexible
โ Equity MF (AVOID)Can be -30% when you need it
โ PPF / NPS (AVOID)Locked โ can't withdraw in crisis
๐ก Best combo: 2 months โ savings A/c (instant), 4 months โ Liquid MF (T+1 day). Total accessible in 1โ2 business days. Earns ~7% while sitting.
๐บ
3-Phase Emergency Fund Build Plan
01
๐จ Phase 1 โ Baby Emergency Fund
Save 1 month of expenses first. No equity SIPs until this is done. This stops you from reaching for credit cards on small emergencies.
Target: โน0
Timeline: 1โ2 months
Where: Savings A/c
02
โก Phase 2 โ Core Emergency Fund (3 months)
Split surplus 50:30:20 โ EF builds parallel with low-risk SIPs (PPF/Liquid MF). You're investing AND building the cushion simultaneously.
Target: โน0
Timeline: 3โ5 months
Where: Liquid MF
03
โ Phase 3 โ Full EF โ Switch to Investment Mode
6 months saved. Now redirect 100% of surplus to equity SIPs, ELSS, NPS. EF earns 7% quietly. Your FIRE investments compound at 12%+.
Target: โน0
Month 6โ9
Then: Full SIP Mode
๐ฐ
Your Current Monthly Allocation Plan
Fill Profile & Income to see your personalised plan
๐ฅ Your FIRE Roadmap
Complete Financial Independence & Retire Early plan
๐ฅ FIRE Number
โน0
Corpus needed to never work again
SWR 4%โน0/month in retirement
Journey Progress
0%
achieved
Years to FIREโ
FIRE Yearโ
Projected Corpusโ
Real FIRE Numberโ
Surplus / Deficitโ
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FIRE Summary
๐ฆ
Corpus Building Blocks
๐บ
Life & Financial Milestones
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Expert Recommendations
Personalized
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Year-by-Year Projection
25 Years
Year
Age
Annual Income
Annual Invest
Corpus (Start)
Growth
Corpus (End)
FIRE Target
Progress
Status
What-If Scenarios
Explore different paths to Financial Independence
๐ฏ
Base Plan
Current income, expenses, and investment rate
โ years
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Aggressive FIRE
Cut lifestyle by 20%, increase investments by 30%
โ years
๐ข
Conservative FIRE
Same spending, lower return (9% equity), more buffer
โ years
๐ผ
Side Income FIRE
Add โน30K/month passive income from Year 3
โ years
๐ฑ
Lean FIRE
Reduce post-retirement expenses by 35%
โ years
๐
Fat FIRE
2ร current lifestyle in retirement (premium life)