❌ Input Validation Errors

Please fix the following issues before running the analysis:

    ⚠️ Without fixing these errors, the calculations and projections may be wrong or unreliable.

    🇮🇳 Financial Independence Calculator

    Plan your retirement journey with detailed year-by-year analysis

    📊 Your Financial Inputs

    💡 Smart Investment Strategy: This calculator uses realistic life-stage investment approaches and multiple inflation rates for accuracy. Pre-retirement: Higher returns (9% default) from equity-heavy portfolios for growth. Post-retirement: Conservative returns (7% default) from debt-heavy portfolios for stability. Inflation Modeling: We apply different inflation rates - 7% for lifestyle, 8-12% for healthcare (based on insurance), 7-9% for education, and 10% for parent care costs. This gives you a realistic projection rather than oversimplified calculations.
    Your age today
    When you want complete financial independence
    Children whose education and support you'll fund
    All living costs today (rent, food, utilities, entertainment, travel)
    At what age will your children become financially independent
    How much will expenses reduce after children independence
    Age when lifestyle expenses reduce significantly
    Lifestyle reduction after advanced age (less travel, entertainment)
    Covers major medical expenses, hospitalization, surgeries
    👆 Click to see all insurance options
    Medical costs beyond lifestyle (insurance, checkups, medicines)
    Annual cost increase (India: 6-8%)
    Annual corpus withdrawal (standard: 4%)
    Expected returns while working (equity-heavy: 8-12%)
    Conservative returns in retirement (debt-heavy: 6-8%)
    Number requiring financial help
    Annual support per parent (today's value)
    How many years will they need support
    All existing investments that will grow for retirement
    Amount you save/invest each year until retirement

    🎯 Financial Independence Status

    💰 ANALYSIS RESULT

    Click calculate to see results

    💰 TOTAL SAVINGS CAPACITY

    Current + Annual savings × Years to retirement
    ₹0

    📈 PROJECTION

    Growth or simulation details
    ₹0

    ⏰ TIMELINE

    Years available or retirement type
    0 years

    📊 ACTION NEEDED

    Additional investment required (if any)
    ₹0

    ⚠️ IMPORTANT EXPENSES MISSING

    Taxes, insurance, major repairs not included
    Component Details Status

    📊 Want to see the complete year-by-year breakdown?

    🚨 CRITICAL: Major Expenses NOT Included

    This calculator does NOT include these significant costs. Plan separately or add 15-25% buffer!

    💰 Tax & Legal

    • 📋 Annual income tax on withdrawals/returns
    • 📊 Capital gains tax on investments
    • 🏠 Property tax and maintenance
    • ⚖️ Legal/estate planning costs

    🏠 Property & Assets

    • 🔧 Major home repairs/renovation
    • 🚗 Vehicle replacement (every 8-10 years)
    • 📱 Appliance/furniture replacement
    • 🔨 Property/asset maintenance

    🛡️ Insurance & Protection

    • 💼 Life insurance premiums (if applicable)
    • 🏥 Long-term care insurance
    • 🩺 Disability/critical illness cover
    • 📈 Increased insurance as you age

    🎯 Lifestyle & Extras

    • ✈️ Major travel/bucket list items
    • 🎁 Gifts to family/charity
    • 📉 Emergency funds for economic downturns
    • 📊 Inflation protection for fixed expenses

    💡 Our Strong Recommendation

    Add 15-25% buffer to your required corpus OR create separate investment funds for these major expenses. Consider them when reviewing your detailed year-by-year analysis below.

    📋 Detailed Analysis & Retirement Simulation

    Click calculate to see detailed analysis
    🔒 No Data Stored