Calculators, multi-asset portfolio performance test, and empirical market benchmarks crafted for DIY investors. A place to experiment, brainstorm, and test strategies to become financially independent.
Empirical market & inflation datasets
DIY calculators & backtesters
No commissions or affiliate funds
Equities, Bonds, Gold & Inflation
Moving away from the obsolete 60-year retirement mindset to mathematical clarity and personal freedom.
Financially Independent means you have enough investments or assets to take care of your financial needs without depending on active employment. Build experimental portfolios that consist of mutual funds and robust asset allocation.
Register & create portfolioHistorically a person used to work till age 58 or 60 and then retire. That worked in the age of job security and assured pensions—which has passed. Retiring early means stepping away from working for financial remuneration much before traditional retirement age.
Calculate retirement corpusSound FIRE plans must survive real economic cycles—high inflation, market crashes, and prolonged flat decades. We ground our calculators and portfolio analytics in empirical Indian and global market data.
Review market findingsInteractive instruments designed to give you clarity on your numbers before you commit your hard-earned capital.
Use your current monthly income, expected inflation rate, and expected retirement age to compute your required retirement corpus. Experiment with different options to come up with a safe, realistic estimate.
Build experimental portfolios with mutual funds and investment amounts. Visualize historical returns, simulate rebalancing, and stress-test allocations against market drawdowns.
Conventional wisdom often ignores difficult historical periods. Here is what historical data reveals about asset class returns over multi-year horizons:
Nifty returned merely 0.83% annualized over the 6-year period from Jan 2008 to Jan 2014, while annual inflation was above 6%. Real returns were deeply negative.
Gold delivered a negative annualized return (-0.38%) over nearly 7 years between Nov 2012 and Aug 2019. Asset allocation requires patience across cycles.
Nifty Midcap 150 returned -0.28% annualized over a 6-year period between Jan 2008 and May 2014 before entering its subsequent massive expansion.
Nippon Balanced fund delivered -0.05% annualized over 5 years between 2008 and 2013. Hybrid asset allocation buffers falls, but is not immune to prolonged bear markets.
Access interactive charts and long-term historical records for core asset classes and indices.
High-quality references for Indian DIY investors seeking unbiased clarity on money and mutual funds.
A definitive personal finance framework tailored for India. Covers emergency funds, medical cover, risk buckets, and systematic cash-flow planning.
View on AmazonPractical guide demystifying active vs passive funds, categories, direct vs regular plans, and how to build a portfolio tailored to your goals.
View on AmazonOur go-to independent research portal for tracking mutual fund scheme holdings, historical expense ratios, portfolio turn-over, and fund manager records.
Visit Value ResearchFIRE@YovaEngg is an experimental computational sandbox. We provide no guarantee or quality assessments on the provided information—use it exclusively for personal experimentation and modeling. We do not provide investment advice or portfolio management services. If you need financial advice, please consult a SEBI-registered Investment Advisor (RIA).