Built for serious investors

Why we built this

Most retirement calculators are overly simplistic. They assume you save for a number of years and then instantly switch to drawing down an arbitrary amount. Real life isn't like that.

We built this tool to model the continuous journey of wealth: the accumulation phase where your SIPs grow, the optional "pause" phase where your corpus compounds untouched, and the withdrawal phase where you safely draw down while the remaining balance continues to generate returns. It provides an honest, direct look at the math behind your financial independence—without marketing fluff or hidden agendas.

The math behind it

We take financial modeling seriously. Here is exactly how our calculator works under the hood:

• Monthly compounding: Annual rates are divided by 12 for precise month-to-month calculation.
• SIP at beginning of month: We use the annuity-due method, reflecting realistic real-world investment patterns where you invest as soon as you get paid.
• Step-up applied at end of 12-month period: Your SIP or SWP step-ups only kick in after a full year of deposits or withdrawals at the previous rate.
• SWP sequencing: Your corpus grows first each month, and then the withdrawal is deducted.
• Exhaustion failsafe: The calculator stops at zero. There is no negative corpus; if your money runs out in year 15 of retirement, the chart shows exactly that.
• Real returns: We use the Fisher equation to calculate inflation-adjusted real returns, and ensure full Phase 3 corpus growth is included during the drawdown period.

Features

Data & Privacy

This calculator runs entirely in your browser. We have no servers, no user accounts, and we do no tracking of your financial data. Your portfolio numbers are stored solely in your browser's localStorage. You can export your configuration to a JSON file at any time to back up your data or move it to another device securely.

Limitations

To provide accurate results, it's important to understand what this model does not do:

• Pre-tax returns only: The model does not calculate Long Term Capital Gains (LTCG) or Short Term Capital Gains (STCG) taxes upon withdrawal.
• No FX cross-currency consolidation yet: You can select different currencies per portfolio, but they are not automatically converted into a single base currency for total net worth calculation.
• Single inflation rate: Inflation is set per portfolio, not per individual investment vehicle within a portfolio.
• Historical returns: Past performance used to estimate future rates does not guarantee actual future returns.

Tech stack

Roadmap

• Web Worker for simulation
• Live mutual fund data (MFI API)
• Cloud sync across devices