How it works
①
Everyday life
monthly, × 12 × 33
②
Lifelong extras
yearly, × 33
③
One-time goals
added as is
④
Loans left
added as is
Your number comes from what you spend, not what you earn.
The sheet
①Everyday life
What you'd still spend every month if you stopped working. No EMIs here: loans go in ④.
Home
₹22,000/mo- = ₹59.4 L of your number
- = ₹5.94 L of your number
- = ₹5.94 L of your number
- = ₹3.96 L of your number
- = ₹7.92 L of your number
- = ₹3.96 L of your number
Food
₹6,500/mo- = ₹19.8 L of your number
- = ₹5.94 L of your number
- = ₹0 of your number
Transport
₹4,000/mo- = ₹7.92 L of your number
- = ₹3.17 L of your number
- = ₹4.75 L of your number
Personal & fun
₹5,000/mo- = ₹9.9 L of your number
- = ₹1.98 L of your number
- = ₹3.96 L of your number
- = ₹3.96 L of your number
Learning
₹1,000/mo- = ₹3.96 L of your number
- = ₹0 of your number
Insurance
₹1,500/mo- = ₹3.96 L of your number
- = ₹1.98 L of your number
②Lifelong extras
Yearly costs that never stop, like travel.
- × 33 = ₹16.5 L
- × 33 = ₹0
- × 33 = ₹0
- × 33 = ₹0
- × 33 = ₹0
③One-time goals
Costs with an end date, at today's prices.
- Child× 0 children₹0
- Child× 0 children₹0
- Child× 0 children₹0
- Child× 0 children₹0
- Child× 0 children₹0
- Parents₹0
- Parents₹0
- Studies₹20.0 L
- Other₹0
- Other₹0
- Other₹0
④Loans left
Principal still owed on the day you stop working. If you'll clear it first, enter 0.
Simulations
What moves the number. A simulation doesn't change your sheet unless you add it.
S1 · City vs hometown
Uses the "Hometown ₹/month" column on every ① line. Hometown ① = ₹22,700/month.
your number ₹1.97 Cr → ₹1.28 Cr (−₹68.51 L)
S2 · Travel
Foreign travel can rise faster than inflation.
your number ₹1.97 Cr → ₹1.97 Cr (no change)
S3 · Children
One child ₹1.22 Cr · range ₹84.3 L (average non-government school fees, no wedding) to ₹1.41 Cr (full average wedding)
your number ₹1.97 Cr → ₹4.41 Cr (+₹2.44 Cr)
S4 · Parents
your number ₹1.97 Cr → ₹2.65 Cr (+₹68.0 L)
S5 · Loan running vs cleared
What if every loan in ④ is paid off before you stop working?
your number ₹1.97 Cr → ₹1.95 Cr (−₹2.0 L)
Years
How many years? Assumes investments grow 5% a year above inflation. An assumption, not a forecast.
Trophy ladder
Milestones, not a retirement date. Each one removes a worry. Withdrawals start whenever you choose.
Safety net
₹2.4 LA job loss isn't a crisis.
100%Reached
Debt-free
No EMI deciding your choices.
Not yet
Walk-away
₹14.4 LYou can say no to a bad job, or take a break.
35%2.7 yrs
flat 2.8
Autopilot
₹74.21 LYou never need to invest again; the corpus grows into the full number in 20 years.
7%13.3 yrs
flat 14.9
Freedom
₹1.58 CrEveryday life is covered. Work is optional.
3%21.4 yrs
flat 24.8
Family freedom
₹1.97 CrThe whole sheet is covered.
3%24.1 yrs
flat 28.2
Run card
Post your run card in the comments. Percentages only, never income.
RUN CARD · Age 26 · Grinder · Category: Any% · Run progress 0% · Level 1
Why × 33 and today's rupees
The famous 4% rule (× 25) comes from US data and was tested on retirements of up to 30 years. Research on Indian data puts a safe rate for a 40-year horizon at about 3%, so this sheet uses × 33.
Every number is in today's rupees. At 5% inflation, ₹40,000 a month today is about ₹65,156 in 10 years and ₹1,06,132 in 20. Withdrawals rise with inflation; the × 33 already plans for it.