Plan beyond the next EMI.
Clear expensive debt, protect monthly cash flow and keep long-term goals moving.
Retirement Year
Year 20
2045 · After working years
Corpus at Year 30
Rs.30.7Cr
MF Rs.29.4Cr · PF Rs.1.3Cr · FD Rs.0 · Debt Rs.0
Enter your current year income, expenses, and savings below. The projection builds forward from these numbers.
💰Income
🛒Expenses
📈Investments & PF
🏦FD & Debt Instruments
Your current stage: Aggressive SaverYour household currently earns Rs.27.0L, spends Rs.15.7L, and saves Rs.11.3L - a savings rate of 42% of gross income. The chart projects this forward.
Required Retirement Amount
Rs.10.8Cr
in year 16 rupees · Rs.3.9Cr in today's money
Wealth Projection
CorpusIncomeExpensesFIRE Target
KharchaUdhar Insider Tip
Run a stress test - set investment returns to 11% and see if FIRE still holds. Real returns vary with market cycles.
Disclaimer
This tool provides estimates for educational purposes only and does not constitute financial advice, an investment recommendation, or a guarantee of returns. Actual returns, inflation, and life event costs will vary. KharchaUdhar is not a SEBI-registered investment advisor. Consult a qualified financial planner for personalised advice.