Financial Calculators
Early Retirement Calculator
You have a corpus and a SIP. This tells you the year the two of them set you free.
Financial independence in about
12.2 years
146 months of disciplined investing
- Target corpus (expenses x multiple)
- ₹2,70,00,000
Month-by-month simulation of your existing corpus plus SIP. The target here is in today's rupees; pair it with the FIRE calculator to see the inflation-adjusted version.
Counting down, not up
Most retirement tools ask when you want to retire and prescribe a SIP. This one inverts the question: given what you already invest, when do you get there? It grows your existing corpus and monthly SIP month by month until they cross your target, expenses times your chosen multiple.
Watching the years fall as you raise the SIP slider is the most motivating chart in personal finance.
The simulation
Target = annual expenses x multiple\nEach month: value = (value + SIP) x (1 + return/12)\nCount months until value >= targetWorked example: a corpus of Rs 25,00,000 with a Rs 50,000 monthly SIP at 12%, against annual expenses of Rs 9,00,000 and a 30x multiple (target Rs 2.7 crore), reaches independence in 146 months, about 12.2 years.
Frequently asked questions
Is the target in today's rupees or future rupees?
Today's rupees, for intuition. Expenses inflate too, so treat the result as directional and cross-check with the FIRE calculator, which inflates the target properly.
What moves the date most?
The SIP amount and the expense number. Halving expenses does double duty: it shrinks the target and frees more money to invest.
What return should I assume?
A blended portfolio rate, not a pure equity rate; 10-12% is a reasonable band for an equity-heavy long-term portfolio. Try the Portfolio Return calculator for your own blend.
What happens after I reach the target?
The corpus shifts from accumulation to income. The SWP and Corpus Longevity calculators show how withdrawals can work from there.
Make the countdown visible.
We help families turn a retirement wish into a dated, funded plan.