FIRE Journey
Your whole retirement in one picture — age-by-age, from today's savings to your FI point to a lifetime of withdrawals.
Most FIRE calculators stop at "here's your number". This one walks you through the full journey in three steps: where you stand today, the age you hit financial independence, and what life after FI actually looks like — including pension income, big one-time expenses (a child's education, a house), and whether you want to leave money behind. The chart plots your whole life by age: the climb while you work, and the drawdown after you retire — so you see not just WHEN you can retire, but whether the money actually lasts as long as you do.
Step 1 · Where you are
The journey ahead
Two phases, one picture:
- The climb — your savings and monthly investments compound until they reach your FI number.
- The drawdown — from that day on, no more salary: the corpus pays your inflation-growing expenses every month.
Fill in where you stand today, then step through to see when you reach FI — and whether the money actually lasts until age 85.
Risk note · Retirement projections compound small assumption changes over decades: a 1% difference in return or inflation can move the outcome by lakhs or crores. Markets are volatile, inflation is uncertain, and tax rules change. Treat these numbers as a planning range, revisit them yearly, and keep a safety margin.
Disclaimer · finkit is an educational tool, not financial, tax or legal advice. Every result is a projection from the numbers you entered and the assumptions stated on the page — it is not a forecast, a quote, or an offer. Check decisions with a SEBI-registered adviser, your lender, or a tax professional.