Author name: sreegesh@insightdrive.xyz

FIRE Calculator (Financial Independence, Retire Early) FIRE (Financial Independence, Retire Early) is achieved when passive investment income covers all living expenses indefinitely. The 4% Safe Withdrawal Rate (SWR) rule — derived from the Trinity Study — states that a portfolio withdrawing 4% annually has historically never depleted over a 30-year horizon. The FIRE number is simply annual expenses ÷ SWR. This calculator computes the FIRE number, time to FIRE, and compares Lean FIRE, Regular FIRE, and Fat FIRE scenarios. Current Monthly Expenses ₹ ₹10 K₹10 L Current Age Y 18 Y65 Y Current Savings / Investments ₹ ₹0₹5 Cr Monthly Savings ₹ ₹0₹10 L Expected Annual Return % 5%15% Expected Inflation Rate % 2%8% FIRE Type Lean FIRERegular FIREFat FIRE FIRE Number : ₹0 FIRE Age – Current FIRE Number₹0 Inflation Adjusted FIRE Number₹0 Years to FIRE0 Years Projected FIRE Age– Portfolio at FIRE₹0 Post-FIRE Withdrawal Rate0% Status–

Pension / Annuity Income Calculator Upon retirement, a corpus can be converted into a regular income stream (pension) by purchasing an annuity from a life insurance company. This calculator estimates the monthly income from a given corpus at various annuity rates, and also shows the inflation-eroding effect on the purchasing power of that income over time. Retirement Corpus ₹ ₹1 L₹5 Cr Annuity Type ImmediateDeferred Annuity Rate % 4%12% Annuity Payout Frequency MonthlyQuarterlyHalf-YearlyAnnual Expected Inflation Rate % 0%10% Deferred Period Y 1 Y20 Y Monthly Income : ₹0 Annual Income ₹0 Corpus Used₹0 Monthly Income₹0 Annual Income₹0 Income Per Payout₹0 Purchasing Power After 10 Years₹0 Purchasing Power After 20 Years₹0 Year Purchasing Power

Gratuity Calculator Gratuity is a lump-sum payment made by an employer to an employee upon separation (resignation, retirement, death, or disablement) after completing at least 5 continuous years of service. It is governed by the Payment of Gratuity Act, 1972. The formula is prescribed by statute — it is not an estimate but a legal calculation. Last Drawn Monthly Basic + DA ₹ ₹10 K₹5 L Years of Service Y 0 Y40 Y Additional Months M 0 M11 M Employment Type CoveredNot Covered Gratuity Payable : ₹0 Eligible Amount ₹0 Completed Service Used0 Years Uncapped Gratuity₹0 Statutory Maximum₹20,00,000 Final Gratuity Payable₹0 Eligibility Status–

EPF Calculator The Employee Provident Fund (EPF) is a mandatory retirement savings scheme for salaried employees in India. Both employee and employer contribute 12% of basic salary. However, the employer’s 12% is split: 8.33% goes to the Employees’ Pension Scheme (EPS, capped at ₹15,000 basic) and the balance 3.67% (or more if basic > ₹15,000) goes to EPF. This calculator projects the EPF corpus at retirement. Current Basic Salary + DA ₹ ₹5,000₹5 L Annual Salary Growth Rate % 0%20% Current EPF Balance ₹ ₹0₹5 Cr Current Age Y 18 Y58 Y Retirement Age Y 50 Y60 Y EPF Interest Rate % 7%10% EPF Corpus : ₹0 At Retirement ₹0 Years to Retirement0 Years Employee Contribution₹0 Employer Contribution to EPF₹0 Employer EPS Contribution₹0 Total Interest Earned₹0 Final EPF Corpus₹0 Year-wise EPF Table Year Basic Salary Employee Contribution Employer EPF Interest Closing Balance

Retirement Readiness Score Calculator While the Retirement Corpus Calculator (#17) answers ‘how much do I need?’, the Retirement Readiness Score answers ‘how prepared am I right now?’ It synthesises multiple factors — current savings rate, corpus gap, time horizon, and investment allocation — into a single score and grade. This is a behavioural engagement tool as much as a financial one. Current Age Y 18 Y60 Y Retirement Age Y 45 Y75 Y Life Expectancy Y 70 Y100 Y Current Monthly Expenses ₹ ₹10 K₹5 L Expected Inflation Rate % 1%15% Post-Retirement Return % 4%15% Existing Retirement Savings ₹ ₹0₹1 Cr Pre-Retirement Return % 1%15% Current Savings Rate % 0%50% Equity Allocation % 0%100% Readiness Score : 0 Grade – Corpus Coverage Score0 Savings Score0 Time Score0 Equity Allocation Score0 Total Score0 / 100 Grade– Label–