Retirement Tracker · Freedom Ladder · Investment Performance · free
One plan for everything your household earns, owns, owes and spends — in any country, any currency — projected year by year to the age your money sets you free, with a plain verdict on whether it holds.
3.24×
what the same month of spending costs after thirty years at 4% a year — the rate India’s central bank targets. Nothing about the life changed
6 years
for a medical bill to double at India’s 12% trend. A grocery bill takes eighteen. Most plans price both at one rate
30 years
of spending with no salary behind it, if you stop at 60 and live to 90. That is the bill all of this is about
+33%
more corpus after thirty years from one extra point of return — 7% against 6%. Both assumptions are shown, and both are yours to change
One plan, four answers
The same figures, read four ways. Each one is computed on the server from your own plan, and none of them is a model’s opinion.
Retirement Tracker
Your corpus year by year to the end of the plan: a one-word verdict, the Financial Freedom Index out of 100, where you stand among your country’s households, and stress tests from a 2008-style crash to money abroad buying 15% less.
The tracker →Freedom Ladder
Survival, Sustenance, Sufficiency and Surplus — four cumulative rungs, each with a target worked out from your own spending and a reading of whether it is held in something that rung can use.
The four rungs →Investment Performance
Stocks, ETFs and mutual funds on NSE, BSE, NASDAQ, NYSE and London, priced every weekday. An XIRR set against the return your own plan assumes, and six readings on how the money is arranged.
Investment Performance →Action Items
Plan health, and the specific things your plan is missing — a home with no upkeep, no healthcare, one figure for a whole life’s spending — each quoting the benchmark it was measured against.
How action items work →Freedom Ladder
A corpus is not one pot. Survival is what you can reach today, for a shock that will not wait. Sustenance is the runway that stops you selling investments at a loss to eat. Sufficiency is the number itself. Surplus is whatever sits beyond independence.
They are cumulative, not four buckets: everything you hold counts toward the rung it reaches and toward every rung above it, so the top of the ladder is your FI Number. This household has Survival and Sustenance funded and is 39% of the way through Sufficiency — slightly behind, and the ladder says by how much.
How the Freedom Ladder works →Investment Performance
Search a stock, an ETF or a fund on NSE, BSE, NASDAQ, NYSE or the London Stock Exchange, or a mutual fund in India, the US or Europe. Enter the units and what you paid, or a SIP, and every holding is priced from the exchange’s own close each weekday — in its own currency, converted into yours.
The headline is an XIRR set against the return your own plan projects with, not against an index somebody else chose. Beneath it, six readings — concentration, spread, currency, how much is priced, whether money keeps going in — each measured against your own circumstances.
How Investment Performance works →Global families
Say where you earn and spend today, where you will be living when you stop working, and when you move. Salary, rent, school fees, loans, deposits and holdings each keep their own country, their own dates and their own currency.
A cost abroad rises at that country’s prices until the day it ends, and the life after the move is priced where you will live it. Everything converts once into the currency you will spend — and a stress test asks what happens if your money abroad buys 15% less.
Planning across countries →Every reading, one household
Whether the money lasts is the verdict. How far along you are is the Financial Freedom Index. Where you stand is a percentile against your own country’s households. Whether it sits in the right place is the Freedom Ladder, and whether it is earning enough is Investment Performance.
Plan health says what is still a guess, and plan completeness says how much rests on your own figures. They are kept apart on purpose, because a high score on one says nothing about another.
Every reading, and where it comes from →The cost of waiting
₹10,000 a month at 7% a year, to age 65. Same contribution, same rate, same finish line — the only variable is when it began. Illustrative and rounded; your own plan uses your figures and your market’s rates.
Start at 25
₹2.6 Cr
Start at 30
₹1.8 Cr
Start at 35
₹1.2 Cr
Start at 40
₹81 L
The promise
There is no internal tool that displays what you enter — not your plan, not your holdings, not a single transaction — because we did not build one. That is an architectural decision rather than a policy, which is why it holds.
No bank or broker login is ever asked for, and no email we send carries an amount, a rate or a verdict. Encrypted in transit and at rest, never sold, never pooled, and hard-deleted — not flagged — when you say so.
How we handle your data →About two minutes to a first answer, and you can change every assumption we use. If the answer is uncomfortable, it is better to know now — that is the whole point of projecting it.
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