My Projection
Last projected: Mar 20, 2026
📊 All Assets
Scenario: Moderate (12%)
SIP: ₹25,000/mo
Step-up: 10%/yr
Auto from 3 SIP rules
Current Value
₹9,00,000
Projected (30Y)
₹2,15,00,000
at 12% · ₹25K/mo
Next Milestone
Aug 2027
Emergency Fund · ₹5L · 17 mo away
Reach Faster
₹8,400/mo more
to hit Emergency Fund by Mar 2027 (5 mo sooner)
₹0 ₹50L ₹1Cr ₹1.5Cr ₹2Cr ₹2.5Cr 2026 2031 2036 2041 2046 2051 2056 ₹50L ₹1Cr ₹2Cr −₹25L withdraw ₹5L ✓
Emergency Fund
Net Worth
Target
₹5,00,000
Current
₹3,60,000 (72%)
Remaining
₹1,40,000
ETA
Aug 2027 (17 mo)
Reach it faster
↑
Increase SIP by ₹5,000/mo → reach in 12 mo 5 mo faster
%
If returns hit 15% instead of 12% → reach in 15 mo 2 mo faster
$
One-time ₹50,000 lump sum → reach in 14 mo 3 mo faster
Based on ₹25,000/mo contribution at 12% annual return
Half Crore
Net Worth
Target
₹50,00,000
Current
₹9,00,000 (18%)
Remaining
₹41,00,000
ETA
Mar 2034 (8 yrs)
⚠
+2.8 yrs delayed by Down Payment withdrawal (₹25L in Sep 2030). Original ETA: Jun 2031 → Now: Mar 2034
Reach it faster
↑
Increase SIP by ₹10,000/mo → reach by Oct 2032 1.4 yrs faster
%
If returns hit 15% instead of 12% → reach by Jun 2033 9 mo faster
$
One-time ₹2,00,000 lump sum → reach by Nov 2033 4 mo faster
Based on ₹25,000/mo contribution at 12% annual return
Crorepati
Net Worth
Target
₹1,00,00,000
Current
₹9,00,000 (9%)
Remaining
₹91,00,000
ETA
Nov 2038 (12.7 yrs)
⚠
+1.8 yrs delayed by Down Payment withdrawal (₹25L in Sep 2030). Original ETA: Jan 2039 → Now: Aug 2040
Reach it faster
↑
Increase SIP by ₹15,000/mo → reach by Sep 2036 2.2 yrs faster
%
If returns hit 15% instead of 12% → reach by Jan 2037 1.8 yrs faster
$
One-time ₹5,00,000 lump sum → reach by Mar 2038 8 mo faster
⇈
Annual 10% SIP step-up → reach by Apr 2035 3.6 yrs faster
Based on ₹25,000/mo contribution at 12% annual return
Two Crore
Net Worth
Target
₹2,00,00,000
Current
₹9,00,000 (4.5%)
Remaining
₹1,91,00,000
ETA
Dec 2048 (22.8 yrs)
Reach it faster
↑
Increase SIP by ₹25,000/mo (double) → reach by Feb 2043 5.8 yrs faster
%
If returns hit 15% instead of 12% → reach by Aug 2044 4.3 yrs faster
⇈
Annual 10% SIP step-up → reach by Jun 2040 8.5 yrs faster
Based on ₹25,000/mo contribution at 12% annual return
Down Payment
↓ Withdrawal
Withdrawal
−₹25,00,000
Portfolio Before
₹28,50,000
Portfolio After
₹3,50,000
When
Sep 2030
Cascading impact
⚠
Half Crore delayed by +2.8 yrs (Dec '31 → Mar '34)
⚠
Crorepati delayed by +3.1 yrs (Sep '35 → Nov '38)
↑
Offset: increase SIP to ₹35,000/mo to keep original dates
Scope: All investable assets · Group: Life Goals
Half Crore — original position
Without withdrawal: Mar 2034
After ₹25L withdrawal: Dec 2036 +2.8 yrs
Keep original date (Mar 2034)
↑
Increase SIP by ₹8,500/mo after withdrawal offsets delay
$
One-time ₹4,20,000 lump sum post-withdrawal recovers timeline
⇈
Add 12% annual step-up starting 2031 closes gap
Caused by: Down Payment withdrawal of ₹25L in Sep 2030
Crorepati — original position
Without withdrawal: Nov 2038
After ₹25L withdrawal: Aug 2040 +1.8 yrs
Keep original date (Nov 2038)
↑
Increase SIP by ₹5,200/mo after withdrawal offsets delay
$
One-time ₹3,50,000 lump sum post-withdrawal recovers timeline
⇈
Add 10% annual step-up starting 2031 closes gap
Caused by: Down Payment withdrawal of ₹25L in Sep 2030
Projected growth (12% return)
Without withdrawals
Withdrawal event
Original position (hover for details)
₹50L
₹1Cr
₹2Cr
Linear scale
Milestones on Chart
Emergency Fund ₹5L
Half Crore ₹50L
Crorepati ₹1Cr
Down Payment ₹25L ↓
+3 hidden ▾
Hidden from chart
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Projecting
📊
All Assets
Full portfolio · ₹9,00,000
▼
Portfolio Scope
📊
All Assets
₹9,00,000
18 assets
✓
💰
Investable Only
₹6,80,000
14 assets
By Account
🟢
Zerodha
₹4,20,000
7 assets
🔵
Groww
₹1,60,000
3 assets
Scenario
Growth Assumptions
Monthly Contribution ₹25,000
Annual Return 12%
Annual Step-Up 10%
₹25,000/mo
Milestones on Chart
Net Worth
FIRE
Life Goals
Advanced
Changes from saved projection
Crorepati Nov 2038 → Jun 2035 3.4 yrs faster
Half Crore Mar 2034 → Sep 2032 1.5 yrs faster
Emergency Fund Aug 2027 → Mar 2027 5 mo faster
Current
₹9,00,000
Projected (30Y)
₹3,42,00,000
↑ ₹1.27Cr vs saved
Next Milestone
Mar 2027
5 mo sooner
Crorepati ETA
Jun 2035
3.4 yrs sooner
₹0 ₹50L ₹1Cr ₹1.5Cr ₹2Cr ₹2.5Cr Today 10Y 20Y 30Y Saved ₹50L ₹1Cr
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from rules
auto
= ₹30,000/mo
= ₹40,000/mo
= ₹80,000/mo
Formula: (Monthly Expenses × Multiplier × 12) ÷ SWR = Target Corpus
Or describe in your own words
All Milestones
4 of 7 in projection
Net Worth 3
Emergency Fund
₹5,00,000
In projection
Target: Aug 2027
Half Crore
₹50,00,000
In projection
No target date set
Crorepati
₹1,00,00,000
In projection
Target: Dec 2040
FIRE 2
Lean FIRE
₹90,00,000
Not in projection
No target date set
Regular FIRE
₹1,20,00,000
Not in projection
No target date set
Life Goals 2
Down Payment
₹25,00,000
In projection
Target: Sep 2030 · Withdraws ₹25L from Investable
Kids' Education
₹30,00,000
Not in projection
Target: Jun 2040 · Withdraws ₹30L from All Assets