How it works
Eight answers to your first verdict. Then make it yours.
No account linking, no statement upload, no credentials. A country and seven figures give you a complete year-by-year plan in about two minutes — and every section after that is detail you add against a result you can already see, rather than a form to finish before anything happens.
2 minutes
to a complete first projection. Everything after it is detail you add against a result you can already see
55 rows
in the ledger of a plan running from 30 to 85 — each with its own income, its own inflated costs and its own closing balance
2.0–4.0%
the general inflation range across the eleven markets, each taken from that central bank’s own published target
5.0–12.0%
the medical trend range across those same eleven. One set of rules, entirely different bills
Step one
Say where you earn today, and where you will settle.
The country you will be living in when you stop working fixes the currency every figure is reported in, six economic rates, and the statutory schemes the plan is built from — EPF, CPF, 401(k), RRSP, Super, MPF and the rest.
Where you earn and spend today is a separate answer, and so is when you move. Neither rewrites a figure you have typed: they decide where new rows start and what your current spending is compared against.
Step two
What you earn, own, owe and want — wherever it is.
Income, living expenses, life goals and loans, each with its own dates. Retirement schemes, bank deposits, market investments, metals and jewellery, and property — each row in the country and currency it is really in, and any class kept as one figure or broken down.
The home you live in is captured for net worth and kept out of the corpus, because you cannot sell a bedroom to buy groceries. Money set aside as the emergency fund leaves the corpus too, and sits on the ladder’s first rung instead.
Step three
Your corpus, year by year.
Income grows, each expense inflates at its own country’s class rate, goals land in the year they are due, the corpus grows at the working or post-independence return, and the year closes. Repeat to the end of the plan.
The Retirement Tracker shows the verdict, the corpus when you stop earning, the Financial Freedom Index, your percentile and the whole ledger. No rounding happens inside the engine — presentation rounds, the arithmetic does not.
Step four
Then find out what would break it.
A 2008-style fall, a 1970s inflation decade, living to 95, a career break, money abroad buying 15% less. Tick several and they compose into one line: the deepest drawdown wins in a shared year, inflation deltas add, longevity takes the longer.
Several ticked cards used to draw several alternative universes and none of them the reader’s. One composed line is the plan you actually asked about.
Step five
And what to do about it, one thing at a time.
Action Items read the plan and name what is missing or implausible — each flag quoting a reference point, ordered by what is most obviously true rather than by what moves the number most, with plan health summing up what is still open.
You can dismiss any of them and it is remembered. You can commit to one and it is tracked. Nothing is done to your plan without you pressing something.
Step six
Then where that money should actually sit.
The Freedom Ladder splits the corpus into four cumulative rungs. Survival is reachable today; Sustenance is runway; Sufficiency is the number itself; Surplus is everything past it.
Each rung has its own target, its own instrument mix and its own reading, and the whole ladder opens with computed defaults on any plan — including one made before the feature existed.
Step seven
And whether what you hold is doing its job.
Add holdings once — a search, the units, the price you paid, or a SIP — and Investment Performance prices them every weekday across NSE, BSE, NASDAQ, NYSE, London and Indian, US and European funds.
Their XIRR is set against the return your plan assumes, and every holding you add feeds the corpus, the ladder and the index at once — because there is only one set of figures.
How Investment Performance works →Two minutes, and you will know.
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.
Start your plan