Profile▼
🎉 You've set FIRE age = current age — calculating current corpus sustainability (no accumulation phase).
India actuarial (Male, age 35) + 7yr buffer
Salary & Income▼
EPF grows at 8.1% p.a. (government rate)
Monthly Investable Surplus₹0
Salary (excl. EPF) + Other Income − Expenses − EMIs
Other Income Sources
Rental, freelance, pension, dividends, etc. — added to income in all years they are active.
Source / CategoryMonthly (₹ today)Growth %From AgeTo Age (0=always)
Monthly Expenses▼
CategoryMonthly (₹)Infl %
Rent & HousingRent
%
Rent & Housing Inflation: ~7–10% p.a.Metro rents have risen 8–12% YoY in FY24.
Tier-2 cities: 5–8%. Conservative default: 8%.Source: NoBroker Rental Index 2024, RBI CPI data
UtilitiesMaintenance, utilities
%
Utilities Inflation: ~5–7% p.a.Electricity tariff hikes: 4–8% annually.
Society maintenance rising ~6% p.a.Source: RBI CPI (Housing sub-index) FY24
HousehelpMaid, cook, driver
%
Domestic Help Inflation: ~6–8% p.a.Wages rising faster in urban metros (7–10%).
Smaller cities: 5–6% p.a.Source: NSSO Wage Survey, urban CPI labour component
Food & GroceriesDining out, groceries
%
Food Inflation: ~5–7% p.a.India CPI Food averaged 7.5% in FY24.
Vegetables volatile; processed food ~5–6%.Source: MoSPI CPI Food & Beverages, Feb 2024
Education (School)Fees, tuition
%
Education Inflation: ~10–12% p.a.Private school fees rise 10–15% yearly.
Coaching/tuition often higher. Use 10% conservatively.Source: ASSOCHAM Education Cost Report 2023
Medical & InsuranceHealth, insurance
%
Medical Inflation: ~11–14% p.a.India healthcare inflation is highest among expense categories.
Hospital costs +14%, insurance premiums +10–12% p.a.Source: Willis Towers Watson Medical Trends Report India 2024
TransportFuel, maintenance
%
Transport Inflation: ~5–7% p.a.Petrol prices vary; vehicle maintenance parts up 6–8%.
EV adoption may reduce this over time.Source: RBI CPI Transport & Communication sub-index
TravelFlights, hotels, vacations
%
Travel Inflation: ~5–8% p.a.Domestic airfares up 10% in FY24; hotels ~6%.
International travel tied to USD/EUR exchange rates.Source: DGCA fare data, MakeMyTrip Hotel Price Index 2024
DiscretionaryShopping, lifestyle
%
Discretionary Inflation: ~3–5% p.a.Consumer goods & electronics deflate over time.
Apparel/lifestyle ~4–5%. Often offset by changing behaviour.Source: RBI CPI Misc. goods & Clothing sub-index FY24
Custom Expense Categories
Add your own recurring monthly expense with a custom inflation rate.
Total Monthly Expenses (excl. major life events)₹0
Major Life Events▼
EMI added from purchase year
EMI added; optional repeat
4 years, 8% education inflation
✨ One-Time & Periodic Expenses
Medical, renovation, wedding, gadgets…
Event / CategoryAt AgeAmount (today₹)Infl %Repeat (yrs)
ⓘ Periodic: set repeat interval > 0 to recur. Set to 0 for a single event. Amount inflates from today’s ₹ to the event age each time it occurs.
Assets & Investments▼
Equity / MF / Stocks
ROI %
Current Corpus
Monthly SIP
NPS ILLIQUID <60
ROI %
Current Corpus
Monthly SIP
💡 Simplification suggestion: Your NPS contribution is small relative to total SIP. Since NPS is illiquid until age 60 and has complex exit rules (80% annuity mandate), consider redirecting this amount to Equity/MF for similar growth with full liquidity — unless you specifically need the ₹50,000 extra tax deduction under 80CCD(1B). If you keep NPS, this calculator handles the PFRDA rules automatically.
FD / PPF (excl. EPF)
ROI %
Current Corpus
Monthly Investment
EPF
ROI %
Current EPF Balance
Monthly Contribution
₹5,000 / month
Set in Salary section above
RD / Other Saving Scheme
ROI %
Current Corpus
Monthly SIP
Gold SGB / ETF / Physical
ROI %
Current Corpus
Monthly Investment
Liquid Funds Liquid MF
ROI %
Current Corpus
Monthly Investment
Real Estate ILLIQUID
ROI %
Current Value
Sell At Age (blank = never sell)
ⓘ Real estate appreciates each year and is sold in one lump sum at the age you specify. Proceeds are added to your other assets proportionally. Leave blank to never sell. No ongoing SIP.
Total Current Corpus₹0
Total Monthly SIP / Investment (excl. EPF & Real Estate)₹0
Advanced: Scenario Adjustments▼
📈 Expense Changes Over Time
Model expenses that change from a specific age — e.g. rent drops to ₹0 after buying a house, or school fees end.
CategoryFrom AgeNew Monthly Amount (₹)Custom Inflation % (blank = category default)
🎯 Rate & ROI Changes Over Time
Model rate changes from a specific age — e.g. equity returns drop after retirement, or FD rates change.
ParameterFrom AgeNew Rate (%)
📈 Salary Growth Rate Changes Over Time
Set different growth rates from specific ages — e.g. 8% until 45 then 4% afterwards. Rows auto-sort by age so the display always matches the model.
From AgeGrowth Rate (%)
Post-FIRE Withdrawal Strategy▼
Set the target % of total corpus for each asset. Non-zero allocations must sum to exactly 100%. Real Estate and NPS are auto-managed.
AssetTarget % of Corpus in Retirement
Equity / MF%
FD / PPF%
EPF%
RD / Other Saving Scheme%
Gold
Liquid Funds
Real EstateAuto (lump-sum sale)
NPS (auto-managed)—
Total: 100% ✓
Drag to reorder. Assets are exhausted top-to-bottom. NPS and Real Estate are auto-managed.
  • ⋮1FD / PPF
  • ⋮2RD / Other Saving Scheme
  • ⋮3Liquid Funds
  • ⋮4Gold
  • ⋮5EPF
  • ⋮6Equity / MF / Stocks
Divide your corpus into 3 buckets at FIRE. Each bucket withdraws from assigned assets in order.
💡 Buckets are sized dynamically at FIRE based on N × projected annual expenses at that age — not a fixed % of corpus. Bucket 3 receives all remaining corpus.
🐱 Bucket 1 — Liquid
Cash & near-cash for immediate spending.
e.g. 3 → holds 3× projected annual expense at FIRE
🌿 Bucket 2 — Balanced
Medium-horizon assets. Refills Bucket 1.
e.g. 7 → holds 7× projected annual expense at FIRE
🌿 Bucket 3 — Growth
Long-horizon growth. Refills Bucket 2.
Receives all remaining corpus after Bucket 1 & 2 are filled.
✓ Bucket sizes calculated dynamically from projected expenses at FIRE age
NPS is auto-managed (locked until 60, then 80% lumpsum to Bucket 3). Real Estate proceeds go to Bucket 3 when sold.
⚠️ NPS at Age 60 (PFRDA Rules): NPS cannot be withdrawn before age 60. At age 60: 80% is released as lump sum and distributed pro-rata into your other assets. 20% converts to an annuity generating ~6% p.a. income.