The Milestone Planner

Know your F.I.R.E number.

Enter your figures below — we’ll chart the exact month you reach Financial Independence, discounted for inflation, right through to the end of your horizon.

Your Inputs

Six fields. Change any one and recalculate.

01 Current portfolio value ₹ Today’s market value of the investments you are counting toward this goal. 02 Expected annual return % Long-run CAGR after fund expenses. Applies before and after the SIP stops. 03 Monthly SIP amount ₹ Kept flat every month from start to end date (no step-up). 04 Inflation rate % Used only to show each milestone’s worth in today’s money. 05 SIP start date Month of your first instalment. 06 SIP end date Month of your last instalment. After this, the portfolio keeps growing. 07 Current age yrs Used to work out your horizon through to life expectancy. 08 Life expectancy yrs The age you plan the portfolio to last through. Edit if needed. 09 Your target (F.I.R.E number) Cr The corpus (in ₹ Crore) you want to reach. Default is ₹10 Cr.

Your Journey

Calculated from your figures above.

SIP Instalments

—

Portfolio when SIP stops

—

Total SIPs you’ll put in

—

Excludes your current portfolio.

Monthly return

—

Equivalent to your annual CAGR.

Milestone Timeline

Every ₹50 Lakh through to your F.I.R.E number · the month each target is crossed.

Target	Time to reach	Expected month	Phase	You put in	From returns	In today’s money

Growth Curve

Year-end portfolio value over the full horizon.

Portfolio value Total contributions SIP ends End of horizon

Year-by-Year Projection

End-of-year values from the SIP start date.

Yr	As of	SIP this year	You put in	Portfolio	Market returns	In ₹ Cr

How these numbers are worked out

F.I.R.E. stands for Financial Independence, Retire Early — the point at which your invested corpus is large enough to fund your lifestyle indefinitely from its own returns, with no salary needed. Your F.I.R.E number is the target corpus that sustains you through your chosen horizon.
After the SIP end date, no new money goes in and nothing is withdrawn. The portfolio value on that date keeps compounding at the same return, and extra months come from a logarithm. Times are rounded up to the month the target is crossed.
SIPs are counted for every calendar month from the start month to the end month, inclusive. The annual return is converted to an equivalent monthly rate, so 10% here means a true 10% CAGR.
SIP amount stays flat (no step-ups or pauses) and return is a steady average. Markets move unevenly — treat the dates as estimates, not promises. Figures are before tax and exit loads.

Share this with your family or advisor

Download the full report as a branded PDF.

All your inputs, the complete milestone timeline, the growth chart, and the year-by-year projection — packaged as a multi-page document, watermarked and ready to share.

Want this reviewed against your actual portfolio and tax situation? Thirty-minute discovery call — no fee.

Book Discovery Call

About this calculator

How to read the numbers

What is F.I.R.E.?

Financial Independence, Retire Early — a corpus large enough that investment returns alone can fund your lifestyle, letting you leave paid work whenever you choose. This tool shows the month you cross your target in today’s rupees, then projects the corpus to your life expectancy.

Why are figures compounded monthly instead of yearly?

Because your SIP is monthly. We derive the equivalent monthly rate from your annual CAGR and compound each month, with the SIP added at the start of each month. This matches Excel’s FV() formula with timing = 1, to the paisa.

Are the output figures tax-adjusted?

No. All projections are before tax and exit loads. Long-term capital gains above the exempt threshold are taxed at 10 %; adjust in your head or ask on the discovery call for a full after-tax model.

How is the "death-year" line calculated?

Simply: current age + life expectancy. The dotted line marks the year on the chart so you can see how much corpus is left when the horizon ends — the SWP phase after your SIP finishes.

Can I share this report?

Yes. The Download PDF Report button produces a multi-page branded document with your inputs, the full milestone table, the growth chart, and all methodology notes — watermarked and ready to share with your CA or family.