TARGET VS PORTFOLIO
FI target vs projected portfolio value
Target Age and the actual FI crossing are marked directly on the chart.
FINANCIAL INDEPENDENCE
See how spending and saving may shape your path to financial independence.
Estimate a spending-based portfolio target, compare it with your current investment path, and see what may need to change to reach a selected age.
Spending-based targetTarget-age comparisonCountry-aware currencies
THE IDEA
Future spending→Portfolio target→Savings path
The planner keeps the withdrawal-rate assumption visible and editable. It is a modelling input, not a promise of sustainable future withdrawals.
QUICK FI TARGET
Want to start with spending alone?
Use the focused FI Number by Spending calculator for a quick first-pass target, then return here when you want to model assets, contributions, investment returns and target age.
Inputs carried into the full planner. Portfolio-funded spending, withdrawal rate, inflation, country and currency were brought forward from the quick calculator. Other income is set to zero so the spending-based target stays consistent; review the fields below if reliable income covers part of your lifestyle spending.
UNDERSTAND BEFORE YOU MODEL
Understand the FI path before you model it.
See how spending, assets, contributions and time interact before you choose a target age or interpret a financial-independence number.
YOUR PLAN
Build the assumptions
1
Lifestyle & independence target
Start with spending in today’s money and the share you expect to continue after reaching financial independence.
2
Portfolio & saving assumptions
These inputs determine how your invested assets may grow before financial independence. Plan Until Age mode also uses the same return assumption after FI.
Investment frequencyHow often you invest toward financial independence. This frequency is used in the calculation.Optional. When selected, Investment frequency follows Income / pay frequency.
VISUAL PLAN
See the target and portfolio path together
Charts update automatically as you change the assumptions.
Enter your details to see your FI path
Add your current spending and investment details above. Your target, projected portfolio, charts and comparisons will appear here automatically.
Portfolio-funded spending today₹1,00,000/mo
FI number today₹3 Cr
FI target at Target Age · future money₹6.24 Cr
Projected portfolio at Target Age · future money₹2.21 Cr
PORTFOLIO BUILD
Money added vs projected portfolio value
See how contributions and modelled investment growth combine over time.
FINANCIAL INDEPENDENCE JOURNEY
See how your FI path changes year by year
Annual snapshots show what you add, the modelled growth, the projected portfolio, the FI target and how much of that target is funded.
Total money added at Target Age—Current invested assets plus modelled contributions.
Modelled investment growth at Target Age—Projected portfolio above total money added.
Projected portfolio value at Target Age—Based on the entered return and investment assumptions.
Funding at Target Age—Projected portfolio divided by the FI target.
View full yearly breakdown
| Age / year | Investment that year | Total money added | Modelled investment growth | Projected portfolio value | FI target | Funding % |
|---|
PLAN INSIGHTS
What the assumptions are doing
These are arithmetic observations from the current inputs, not personalized advice.
KEY CHECKPOINTS
Today, your Target Age and Target Age +5
These checkpoints keep the selected Target Age central while showing where the current plan starts and where it may stand five years later.
HOW IT WORKS
Separate the lifestyle target from the investment path.
First, Carrowmont estimates the monthly spending that would need to be funded by the portfolio. In Sustainable FI mode, that annual amount is divided by the withdrawal-rate assumption. In Plan Until Age mode, the calculator instead models the portfolio required to fund inflation-adjusted monthly withdrawals through the selected planning age.
The planner compares that mode-specific target with the projected value of current assets and future recurring investments at the selected investment frequency.
METHODOLOGY
Transparent calculations.
Portfolio-funded monthly spending: Current monthly spending × expected spending percentage − recurring non-portfolio income.
Sustainable FI mode: Annual portfolio-funded spending ÷ planning withdrawal rate creates the FI target in today’s money. The target is then increased with the inflation assumption for future ages.
Plan Until Age mode: The model calculates the portfolio required at each age to fund monthly portfolio-supported spending through the selected Plan Until Age. Spending rises with the inflation assumption; withdrawals are modelled at the start of each month and the remaining balance then earns the monthly rate implied by the expected annual return.
Recurring non-portfolio income: Income entered in today’s money is treated as retaining the same real purchasing power, so only the remaining portfolio-funded spending is modelled.
Portfolio projection: Existing invested assets grow using the periodic rate implied by the annual return and selected investment frequency. Contributions are added once per selected investment period and can increase once each year by the entered step-up rate.
Modelled FI age: The first modelled contribution period when the projected portfolio equals or exceeds the target produced by the selected planning approach. Sustainable FI is checked through age 90; Plan Until Age is checked through the selected planning horizon before the target becomes zero. Timing is displayed in years and months.
Financial Independence Journey: Sustainable FI shows annual accumulation snapshots. Plan Until Age shows accumulation through Target Age and then a distinct drawdown phase through Plan Until Age, with inflation-adjusted portfolio-funded spending, modelled post-FI growth and ending portfolio balance. The underlying calculations continue to use the approved contribution frequency before Target Age and monthly withdrawals after Target Age.
Recurring investment required: The starting contribution at the selected investment frequency that would model to the selected-age target while applying the entered annual step-up. It is solved numerically.
Important: These are deterministic planning illustrations. Sustainable FI mode does not determine whether a withdrawal rate is safe or suitable. Plan Until Age mode uses the same constant expected return before and after FI and does not model sequence-of-returns risk, taxes, fees, asset-allocation changes, irregular spending shocks or future policy changes. Plan Until Age is a planning horizon, not a prediction of lifespan.