Freelancer Retirement & Emergency Fund Planner
No employer EPF? Get the corpus, monthly SIP, emergency-fund floor and NPS layer your freelance income actually needs.
Free forever — no signup, runs entirely in your browser.
12% = plain index-fund assumption. No promises.
6% inflation, 7% real withdrawal rate — the assumptions every Indian planner uses; tune inputs, not math.
The number
Enter your numbers — get the corpus, the monthly SIP, the emergency-fund floor, and the NPS layer, milestone by milestone.
About the Freelancer Retirement & Emergency Fund Planner
No employer EPF? The corpus, monthly SIP, emergency floor and NPS layer your freelance income actually needs.
What you can do with it
- 20× corpus rule math
- Monthly SIP requirement
- 6-month emergency floor
- Milestone checkpoints + NPS layer
Frequently asked questions
Why an emergency fund before investing?
Freelance income variance turns one bad quarter into forced SIP withdrawals — the single most expensive habit. The buffer isn't conservative, it's the plan working.
Are 12% returns realistic?
It's the standard Indian equity-index assumption, editable on purpose. A SIP at 10% still finishes the job; a skipped SIP at any return finishes nothing.
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