Rajkumar Anguluri·Software Engineer · Founder, Artha Engine·Last reviewed 25 April 2026·Methodology
Am I On Track?
Are you actually on track for your goals? See your FIRE gap, emergency coverage, and what moves the needle — contributions, returns, or retirement age.
Overall score
Fill in more of your profile to unlock a reliable score
Fix these first
Savings rate
0/100Enter monthly take-home and expenses to see your savings rate.
Fill in your income and expenses in any tool that uses them.
Emergency cushion
0/100Enter liquid cash and monthly expenses to size your runway.
Update your net-worth snapshot to include liquid cash.
Debt load
0/100Enter monthly take-home to see your debt-to-income ratio.
Save & share this scenario
Bookmark these inputs, copy a link, or send the result to someone.
Am I On Track?
Bring salary, expenses, assets, liabilities, and goals together into one forward-looking dashboard.
Tune assumptions
Net worth breakdown
Tax details
Best take-home
₹1,47,333
Winner: NEW regime
Emergency gap
₹0
8 months covered today
Net worth
₹26.5L
Assets minus liabilities
FIRE gap
₹2.1Cr
How far the current plan still falls short
Use new regime
The new regime leaves more money in your pocket with your current deduction profile.
Re-check the choice whenever salary, HRA, or home-loan deductions change materially.
Old regime take-home
₹1.4L
Your estimated monthly take-home under the old regime.
New regime take-home
₹1.5L
Your estimated monthly take-home under the new regime.
Emergency fund is healthy
Your liquidity base is improving, but may still need work.
Keep this corpus liquid and separate from long-term investments.
Target fund
₹5.3L
This is the liquidity buffer your profile calls for.
Shortfall
₹0
This is the gap you still need to fill.
You are building
Your assets are ahead of liabilities.
Track this monthly and make sure new debt is improving earning power or quality of life.
Total assets
₹30.5L
Everything you own at current estimated value.
Total liabilities
₹4L
Everything you still owe.
You need a recurring plan
Without a regular contribution, the goal is unlikely to be met on time.
Automate the required monthly amount and revisit the plan every six months.
Required SIP
₹5.5K
This is the monthly contribution needed to stay on track.
Corpus without new money
₹41.5L
This is where you land if you do nothing further.
Goal corpus projection
Projected corpus if you contribute the required monthly amount.
Not there yet
The projected corpus still falls short of the inflation-adjusted FIRE target.
Increase savings rate, delay retirement, or reduce future expense expectations.
FIRE target
₹7.8Cr
This is the inflation-adjusted corpus needed at retirement.
Projected corpus
₹5.7Cr
This is where the current plan is headed.
Key trackers
These numbers usually move the fastest when your plan improves.
Required goal SIP
₹5,522
Monthly amount needed for the selected goal
FIRE target
₹7.8Cr
Inflation-adjusted corpus needed at retirement
Projected FIRE corpus
₹5.7Cr
Current plan outcome at retirement
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- Uses AY 2026-27 slab assumptions published by official government sources.
- Includes 4% health and education cess; surcharge is excluded — see combinedIncomeTax for the surcharge-inclusive total when capital gains are also present.
- Assumes all entered deductions are valid and fully claimable.
- Emergency fund target expands for dependents and volatile income.
- Savings meant for emergencies should be liquid and low-risk.
- Required SIP is the minimum contribution to hit the goal on the assumed return path.
- FIRE target uses the safe withdrawal rule you provide.
- Annual expenses are inflated to the retirement year before the withdrawal rule is applied.
What moves the result most
Holding everything else fixed, here is how the headline shifts when each input swings by a typical range.
Default values used
These are the starting defaults. You can override every one of them using the input panel — expand “Tune assumptions”, “Net worth breakdown”, and “Tax details” to customise.
Calculations and decision frameworks, not personalised financial advice. The numbers on this page are based on the inputs you supplied and the regulatory rules in effect when this page was last reviewed. They are not a recommendation to buy, sell, hold, port, or surrender any specific financial product. Consult a SEBI-registered investment advisor, a qualified tax professional, or a licensed insurance broker before acting on a financial decision involving your money.
Artha Engine is an educational decision-support website. We do not offer loans, sell insurance, distribute mutual funds, provide regulated investment advice, collect loan applications, or receive commissions from banks, insurers, AMCs, brokers, or other financial providers. References to RBI, SEBI, IRDAI, Income Tax Department, or other authorities are source citations only. Artha Engine is not affiliated with, endorsed by, or sponsored by any government authority, regulator, bank, insurer, AMC, or broker. Artha Engine does not charge users fees for using calculators, comparison tools, articles, or financial health scoring. Mailing address: India.
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