Find Your Freedom Date.
Stop guessing when you can retire. Our simulator models your entire life journey—inflation, child education, and market returns—to give you a scientifically accurate date when work becomes optional.
Inflation Adjusted
We don't just use 6%. We simulate real purchasing power loss over 40 years.
Portfolio Simulation
Model your specific mutual funds, gold, and real estate for precise growth.
Stress Tested
See what happens to your freedom date if the market crashes by 30% today.
Why a simple "Retirement Simulator" is safer.
Most retirement calculators in India assume a linear world. They don't account for the fact that education inflation in India is 10-12%, or that your lifestyle costs will likely triple by the time you retire.
Cockroach Money's Freedom Simulator uses a month-by-month calculation engine to ensure every EMI, every child education milestone, and every tax liability is accounted for.
The 4% Rule vs The Reality in India
While Western FIRE enthusiasts swear by the 4% rule, India's high inflation and emerging market volatility require a more robust approach. Our simulator helps you find your "Safe Withdrawal Rate" tailored to the Indian economy.
Frequently asked questions
What is a "freedom date"?⌄
Your freedom date is the calendar date at which your invested corpus is large enough to fund your future expenses for life without further contributions — meaning work becomes optional. It is the FIRE concept expressed as a date instead of a corpus number.
How is the freedom date calculated for India?⌄
We run a month-by-month simulation of your corpus growing at your expected return rate, your expenses inflating at 6% (configurable), and your milestones (education, home, marriage) deducting in their target year. The freedom date is the earliest month at which the corpus, plus future contributions stopped from that point, can sustain inflation-adjusted withdrawals through your planning horizon.
Is the 4% safe-withdrawal rule reliable in India?⌄
No. The 4% rule was derived from US market data with US-level inflation (~2–3%). India's historical inflation has averaged 6–7% with periods of 8–10%. A realistic safe withdrawal rate for an Indian portfolio is closer to 3–3.5%, requiring a corpus of roughly 30–35× annual expenses (versus 25× in the US).
Does the freedom date account for child education?⌄
Yes. You can add a milestone for child education at a target age (typically 18 for undergraduate, 22 for postgraduate), inflated at education-specific inflation (typically 10–12% in India). The simulator deducts the milestone in the target year and pushes out the freedom date accordingly.