See how small financial changes - saving more, spending less, or better returns - compound into massive differences over time.
Adjust these sliders to see how small changes compound over time.
e.g. skip one OTT, pack lunch
reduces FIRE number too
e.g. FD → index fund
Current scenario
Monthly savings
₹40,000
FIRE number (corpus needed)
₹1.8Cr
Corpus in 20 years
₹4.54Cr
Monthly passive income (at 4% SWR)
₹1,51,374
Years to FIRE
13.3 years
Adjust sliders above →
Move the "What if I…" sliders to see how your numbers change.
Based on 12% p.a. return, 4% safe withdrawal rate, 20-year horizon. Returns are not guaranteed.
The most powerful financial insight most people never grasp: small changes in savings, spending, or investment return compound dramatically over a 15-20 year horizon. Saving ₹5,000 more per month for 20 years at 12% doesn't just add ₹12 lakh - it adds over ₹50 lakh to your corpus. This What-If Simulator lets you see, in real time, how changing any one variable affects your retirement corpus, FIRE timeline, and monthly passive income. Pull the sliders and watch the numbers transform.
The simulator calculates two scenarios simultaneously:
Base scenario: Uses your current income, expenses, portfolio and return assumption to project your corpus and FIRE timeline.
What-if scenario: Applies your adjustments - extra monthly savings, expense cuts, or return improvement - on top of the base to show the compounded impact.
FIRE Number = Annual expenses / Safe Withdrawal Rate (4%)
Corpus = FV(monthly savings, return, years) + FV(current portfolio, return, years)
The 4% safe withdrawal rate (SWR) is based on the Trinity Study: a portfolio with 4% annual withdrawal has historically lasted 30+ years even through major market downturns.
The 4% rule says: if you withdraw 4% of your portfolio in year 1 of retirement, then adjust for inflation each year, your portfolio has historically survived 30+ years through bear markets and recessions. It comes from the Trinity Study (1998, Bengen 1994). For India, some advisors use 3-3.5% due to higher inflation and different market dynamics.
Reducing monthly expenses does two things: (1) it frees up more money to invest each month, and (2) it lowers your FIRE number (since you need less corpus to sustain a lower annual withdrawal). A ₹5,000/month expense cut adds ₹5,000 to investments AND reduces the corpus you need by ₹15 lakh (at 4% SWR). This double effect is why frugality is so powerful for FIRE.
Moving from FDs (6-7%) to a diversified equity index fund (12%) is a 5-6% improvement. Moving from active large-cap funds (10-11%) to a Nifty 50 index fund (12%) is a 1-2% improvement. Over 20 years, 1% extra return can add 15-20% more to your final corpus.
It assumes a constant return rate, which is a simplification. Real markets are volatile - returns vary year to year. The timeline gives a directional estimate. The key insight is the relative comparison: the what-if scenario reliably shows which changes have the biggest impact, even if the exact year of FIRE depends on market performance.
Use your net take-home salary - the amount that actually hits your bank account after EPF, TDS and other deductions. Similarly, use your actual monthly spend (including all EMIs) as expenses. The goal is to model your real cash flow, not a theoretical gross-minus-taxes number.
See how a monthly SIP compounds over time. Adjust amount, return and duration to project your mutual fund corpus.
OpenProject the future value of a one-time investment. Enter an amount, expected return and duration to see how it compounds.
OpenFind the corpus you need to retire comfortably and the monthly investment required to get there in time.
Open