Every score your money earns, and the row behind it.

Retirement Tracker

Your corpus, year by year — and one word for whether it lasts.

Six verdicts from Critical to Ample, the corpus when you stop earning with its exact figure under the rounded one, and a computed sentence reconciling the two — because a corpus quoted in future money looks enormous next to a verdict saying it is not enough.

Tick any stress tests — a 2008-style crash, a 1970s inflation decade, a longer life, a career break, money abroad buying 15% less — and they compose into one line. Under it, a ledger with opening, growth, income, outflow and closing for every year of the plan.

Financial Freedom Index · Where you stand

A score out of 100, and where you sit among your country’s households.

Progress, 50%: what you hold against the number your own plan says you need. Trajectory, 30%: the age the projection actually reaches independence at, bisected out of the real year-by-year run. Resilience, 20%: emergency cover and the debt you carry. Five zones, from Just starting to Freedom in reach.

Beside it, a percentile against your own country’s household survey, per household and aged forward from the year it was collected. Where no survey exists you are told so — a percentile is never invented or borrowed from a neighbour.

Freedom Ladder

Where the corpus should sit, rung by rung.

Four cumulative rungs, not four pots. Survival is months of essentials you can reach the same day. Sustenance is runway if income stops. Sufficiency is the number itself, with a status — On track, Slightly behind, At risk, Red flag — against what it needs today. Surplus has no target, by definition.

It opens as soon as you have generated a plan — the quick start is enough. Coverage and fit stay separate readings, and the sliders — months of essentials, years of runway, share in growth assets — show what each change costs before you keep it.

Investment Performance

What you hold, measured against your own plan.

Stocks, ETFs and mutual funds on NSE, BSE, NASDAQ, NYSE, the London Stock Exchange and US and European funds, priced every weekday in their own currency. The headline is an XIRR set against the return your plan assumes, beside everything you hold, the gain on what you put in, and what markets added.

Then six readings scored out of 100, three of them judged against your own plan, years and currency; a ranked “What would move this”; and, once there is enough history, your whole plan re-run at the return you actually got.

Action Items · Plan health

The parts of your plan that are still guesses, named.

A home with no upkeep priced in. No healthcare anywhere. One figure standing in for a whole life’s spending. Each flag quotes the benchmark it was measured against for your country and city — a rule that cannot cite one does not fire — and plan health sums up what is still open.

Ten short questions replace one spending figure you guessed, each opening empty with a Use typical button beneath it. Fix it, commit to it, or dismiss it; the choice is remembered, and nothing changes your plan until you press something.

Earned · spent · owed

The household’s money, not just the corpus.

What you earn with its savings rate, what you spend with its share of income, what you owe with the rate your own repayment schedule implies. Only one of the three is coloured, and each says what it was measured against — or that it has no benchmark.

Income, living expenses, life goals and loans each carry their own dates, and a plan confidence meter says how much of the projection rests on your figures rather than a country default — with its unanswered items as the list of what would sharpen it.

Every row can also keep its own country and currency — any of 142 — inflating at that country’s rates until it ends, and converted once into the currency you will spend. Planning across countries →

Plan together · Family & sharing

A view for each of you, one for the two of you — and the people who would need to know.

Every row says whose it is — yours, your partner’s or shared, with a split — so your plan, your partner’s and the family plan each have their own reading, and the two add up to the family to the rupee. Each of you keeps your own working years, so two careers on two clocks, or one of you not earning, are planned as they really are.

Your partner can join with their own sign-in, and you can invite parents, your Chartered Accountant, your lawyer or a close friend to see what you choose — read-only, approved by both of you on a shared plan, and never a figure in an email.