How retirement planning works here
Start with a retirement calculator: target age, expected expenses, and assumed returns. Then compare SIP vs lumpsum contributions and see how inflation changes the corpus you need.
Track investments and net worth in Capitallytics so planning numbers are not stranded in a one-time spreadsheet. Pair with budget tools to protect the savings rate the plan requires.
From a calculator to a live plan
The free calculators are for exploring: how a SIP compounds, what a lumpsum grows to, how much corpus a given lifestyle needs. Once you have an account, the Goals & FIRE page in the Personal Workspace runs the same maths on your own recorded data, so the plan updates as your balances and spending change.
Your FI corpus is investable assets minus personal liabilities. Investable assets include cash, savings, fixed deposits, stocks, mutual funds, ETFs, gold, silver, crypto and retirement accounts such as EPF and NPS. Your home, vehicles and business equity are left out, because you cannot spend them in retirement without selling them. Debts are subtracted because they have to be repaid first.
The target is annual expenses divided by a withdrawal rate. For rupee plans the default rate is 3.5%, more cautious than the US-derived 4% rule because Indian inflation is higher and early retirements are long; you can change it. The time to reach the target uses your monthly surplus and an assumed real return, which by default is a 10% return less 6% inflation.
What these numbers cannot tell you
Capitallytics does not produce a probability of success. A real probability needs a distribution of returns and a simulation, and quoting one without that would be false precision. Treat the years-to-target figure as a planning estimate that will move with markets, inflation, health costs and family changes. Review it once or twice a year, test a lower return or higher spending in the free FIRE and retirement calculators, and use What if to see how raising a SIP moves a goal date.