At what age does work become optional?
Three short sets of figures — about you, your income and expenses, your savings and goal. The planner works out your freedom age, and the monthly SIP that would get you there by the age you choose.
- 12%
- Monthly
- 04
- ₹0
Illustrative only. Assumes 12% annual returns, income growth as entered and expenses held constant. This is not investment advice. Investments in securities markets are subject to market risk.
Three assumptions, stated plainly.
A planner is only as honest as its assumptions. These are all of them; change any figure you enter and the result moves with it.
- i.
The freedom corpus
Your freedom corpus is the sum whose assumed 12% annual return would pay for a year of your current expenses, every year: annual expenses divided by 0.12.
- ii.
A month-by-month simulation
Each month the corpus grows at the monthly equivalent of 12% a year, and your investment is added. Every year that investment steps up with your salary, and is never allowed to exceed what your income leaves after expenses. Your freedom age is the first month the corpus meets the line — or it is reported as not reached by 100.
- iii.
What it leaves out
Inflation, taxes, and the plain fact that markets do not return the same figure every year. Expenses are held constant. Treat the result as a way to think about saving rates and time — not as a forecast, and not as advice.
Illustrative only. Assumes 12% annual returns, income growth as entered and expenses held constant. This is not investment advice. Investments in securities markets are subject to market risk. The planner is an educational tool offered by Yogeshwar Vashishtha; it is not a research report and makes no recommendation about any security.