One moment.
Monthly living expenses
Everything you spend in an ordinary month. This total anchors your retirement number — the more complete it is, the more you can trust everything downstream.
Income and its three destinations
Every rupee of income goes to exactly one of three places: your short-term goals, your long-term wealth, or your operating account. The split always adds to 100%.
Where it's going
Short-term goals
Big, dated expenses — education, weddings, a car, medical buffers. Each grows at 8% a year to its future cost; the monthly figure is what you'd need to set aside today.
Long-term wealth
What you already hold toward retirement, across every account. Keep this current — every rupee here directly reduces the distance to your FIRE number.
Retirement assumptions
The five dials every projection on the Verdict page runs on. Move them to stress-test your plan.
Your verdict
Everything on the previous five pages, converted into one answer: are you on track for FIRE?
The 4% rule and the PV method are two different ways to size the same goal — shown side by side so you can see how much they disagree.
Retirement income: will your corpus last?
Once you stop earning, your corpus has to fund every year that follows. Set it up below and see, year by year, whether it lasts the distance — or when it would run dry.
This is a real return — what you expect to earn above inflation, not your raw nominal return (e.g. if you expect 8% nominal and 5% inflation, enter roughly 3%). Retirement span: age to — years. All figures below are in today's rupees.
Corpus balance over your retirement years