Risk Disclosure

All investments carry risk, and the value of your investments can go down as well as up. Before relying on any projection, it is important to understand the following:

The expected return used in every calculator is an assumption that you provide — it is not a forecast or a promise. Actual investment performance may be higher or lower than the rate you enter, and even small differences in the assumed return can significantly change long-horizon projections because of compounding. We encourage you to model conservative and optimistic scenarios to understand a realistic range of outcomes.

Inflation erodes the purchasing power of money over time, and it also increases your future expenses. A corpus that appears large in nominal terms may be worth considerably less in real terms once inflation is accounted for. The inflation figures used in our calculators are estimates — actual inflation will vary year to year and may differ materially from your assumptions.

The order in which investment returns occur can materially affect outcomes, particularly during the withdrawal phase. Poor returns early in retirement — while you are drawing down your corpus — can permanently reduce how long your money lasts, even if average returns over the full period are healthy. This "sequence of returns risk" is especially relevant to SWP and retirement planning, where our calculators assume steady returns that real markets rarely deliver.

The FIRE Number produced by our calculator is based entirely on the assumptions you provide. Changing any single assumption changes the result — sometimes substantially:

Our calculators are educational planning tools with important limitations. They:

You remain solely responsible for all of your investment decisions. Projections generated by our calculators are illustrative and should be considered a planning baseline rather than advice. We strongly encourage you to consult qualified financial professionals — such as a SEBI-registered investment advisor, certified financial planner, or chartered accountant — before acting on any projection or making financial commitments.