💰 Financial Independence Calculator

Advanced Wealth Planning with Smart Projections

How to Use

  1. Enter your current portfolio
  2. Choose projection start month
  3. Choose retirement / withdrawal start month
  4. Add optional future events (income, one-time events, expense changes)
  5. Check Analysis

Used to calculate your age across the timeline.

Age at Projection Start: -
Age at Withdrawal Start: -
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₹ Cr
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₹ L

This is the month your portfolio value applies.

Before this month, portfolio grows with no living-expense withdrawals. Set this to your planned retirement date.

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📈 Return Changes Over Time (optional)

Define different return rates for specific year ranges. Year 1 = the first year starting at Projection Start.

📉 Inflation Changes Over Time (optional)

Define different inflation rates for specific year ranges. Year 1 = the first year starting at Projection Start.

đŸ’ŧ Other Monthly Income (optional)

Model ongoing income (pension, part-time work, rental yields). This offsets withdrawals from the corpus.

🏡 Expense Changes (Reset monthly expense)

Reset base expenses at specific months (e.g., downsizing, kids independent). Continues inflating from new base.

💰 One-time Events (Add / Withdraw money)

Scheduled capital injections or withdrawals (e.g., selling real estate, inheritance, child's marriage).

📈 Corpus Growth Projection (30 Years)

📅 Year-by-Year Breakdown

Age Calendar Year Start Balance Total Expense Income Net Withdrawn Interest Earned Events (+/-) End Balance Notes

Scenario Planning

Compare different financial scenarios side-by-side

Tax Impact Analysis

State Backup & Restore

Export your complete financial state, or restore it across devices.

Drag and drop backup JSON file here, or click to browse

Recent Auto-Backups

Keyboard shortcuts: Ctrl+S (Save Scenario), Ctrl+E (Backup), Ctrl+1-5 (Switch Tabs), Esc (Close Modals)

v1.0.0 • Built by Keshav Maheshwari