Illustrative tool only. Returns assumed by you — not guaranteed. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns.
Consult a SEBI-registered Investment Adviser before investing.
🔒 Privacy: No data is collected or transmitted. All calculations run on your device only.
Choose a Calculator
⚡
Quick Calculator
Get your FI number in 30 seconds · sliders · instant answer
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📋
My Full Plan
Detailed plan · existing savings · goals · waterfall · next steps
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🧮
SIP Calculator
See how growing your SIP each year compounds over time
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🎯
Goal Calculator
Calculate SIP needed for any goal — education, home, wedding
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FI Blueprint · Investor Education Tool · Not SEBI Registered · Not Financial Advice
⚡
Quick FI Calculator
Move sliders — FI number updates instantly
All figures are illustrative at your assumed return rate. Not investment advice.
Approximate total is enough — include MFs, stocks, EPF, PPF, cash savings, etc.
Assumed Return % (you decide)
12% p.a.
6%18%
Illustrative reference: equity MFs in India have historically returned 8–15% p.a. over long periods. Past performance is not indicative of future returns.
Inflation %
6% p.a.
4%10%
🏔️
✅ Results in Today's Value
YOUR FREEDOM NUMBER ✨
Estimated corpus needed for Financial Independence
—
📅 Target FI Age: —
✅ You're on track!
Monthly SIP
—
Years to FI
—
Free Cash
—
Savings coverage
0%
All results generated solely based on your inputs and assumptions. Not investment advice. Returns not guaranteed. Consult a SEBI-registered Investment Adviser.
Please fix:
⚠️ Heads up:
👤
About You
Age, FI target, income & lifestyle
yrs
yrs
₹
₹
₹
%
Enter your own assumed annual return. Historical returns are indicative ranges only and are not guaranteed. Equity MFs in India have historically shown 8–15% p.a. over long periods — but actual returns may vary significantly. This is your assumption — the app only calculates.
📥 Imported Reference from Quick Calculator
≈ ₹0
This is your approximate Quick Calculator total — use it as a guide while you fill in the exact breakdown below.
📈
Investments
MF, EPF, PPF, NPS & liquid savings
₹
Mutual funds, direct stocks, ETFs — current market value
₹
₹
₹
₹
Bank savings, fixed deposits, liquid cash
🏛️
Backup / Non-Liquid Assets
Optional — not included in SIP calculation
These assets improve long-term financial security but may not be fully liquid for FI planning purposes.
₹
₹
Do not include your primary residence
Savings Check
Quick Estimate—
Detailed Total—
%
%
₹
Your FI Report
🏔️
✅ Results in Today's Value
YOUR FREEDOM NUMBER ✨
Estimated corpus needed for Financial Independence
—
📅 Target FI Age: —
SIP Needed
—
💡 Your Personal Insight
Years to FI
—
Savings Coverage
—
Your Illustrative Monthly SIP
—
FI Readiness—%
Enter your savings to see coverage.
Closing the Gap — 3 Options
What You Need at FI
Total Corpus Target
—
What You Already Have (grown to FI date)
Already working for you
—
The Gap — What Your SIP Must Build
Your Monthly Cash Flow
Illustrative: SIP Step-up Scenario
Step-up SIP — See the Difference
Raise SIP each year with your salary hike
Step-up %%
Sample MF Categories — Illustration Only
📈 Equity MFs — potential for high growth over 7+ years
⚖️ Hybrid MFs — blend of equity and debt
🛡️ Debt MFs — relatively stable, lower risk
🎯 Multi Asset MFs — diversified across asset classes
This is for illustration only and should not be considered a recommendation or advice. Consult a SEBI-registered Investment Adviser for personalised fund selection.
Your 5 Priority Actions
All results generated solely based on your inputs and assumptions. Not investment advice. No personalised recommendations provided. Returns not guaranteed. Consult a SEBI-registered Investment Adviser before investing.
SIP Calculator
See how raising your SIP each year compounds. Move sliders — updates instantly.
Monthly SIP₹37,500
₹1K₹2L
₹
Investment Period
20yrs
1 yr35 yrs
Assumed Return % (you decide)
12% p.a.
6%18%
Annual Step-up %
10%/yr
0%20%
🎯 Goal Calculator
Plan any financial goal
Education · Home · Wedding · Travel · Anything
🎓 Education
🏠 Home
💍 Wedding
✈️ Travel
🚗 Car
🎯 Custom
🎓
Children Education
Adjust to refine your plan
₹
yrs
%
Historical returns are indicative only. Not guaranteed.
₹
Amount already set aside specifically for this goal
🎓
✅ Results in Today's Value
CHILDREN EDUCATION ✨
Estimated corpus needed for a bright academic future
Monthly SIP Needed
—
📅 In — years
✅ You're on track!
Monthly SIP
—
Inflated Target
—
Assets Cover
—
How It's Calculated
Illustrative only. Not investment advice. Consult a SEBI-registered Investment Adviser.
📚 FI Concepts
The ideas behind the numbers
Five concepts that explain how financial independence calculations work.
🏁
FI Number
The corpus at which your investments generate enough passive income to cover your expenses indefinitely. Usually 25× annual expenses using the 4% safe withdrawal rate.
Foundation
📊
25× Rule & 4% SWR
Safe Withdrawal Rate research suggests withdrawing 4% annually from a diversified portfolio is historically sustainable. Hence corpus = 25× annual expenses. Actual sustainability depends on market conditions — treat this as a planning estimate.
Rule of Thumb
🧮
Step-up SIP
Increasing your SIP by 10% each year alongside your salary hike. The compounding effect of this habit often adds more to your corpus than fund selection — small annual raises make a dramatic difference over 15–20 years.
Habit
💰
SIP — Systematic Investment Plan
A fixed monthly investment in mutual funds. Rupee cost averaging over time reduces timing risk. Direct growth plans have no distributor commission — they compound more efficiently over long periods.
Mechanism
⚡
Compound Interest
Returns generating returns. At 12% p.a., money doubles in ~6 years (Rule of 72). Starting 5 years earlier can add crores to your final corpus — time is the most powerful variable in the equation.
Core Principle
About This Tool
FI Blueprint is an investor education and illustration tool. It is not registered as an Investment Adviser with SEBI and does not provide investment advice or recommendations.
All calculations are illustrative based on your assumed return rates. Actual returns from mutual funds depend on market conditions and vary significantly. Past performance is not indicative of future returns.
Before investing: Read all scheme-related documents carefully and consult a SEBI-registered Investment Adviser.