Question 1

What is a Freedom Number?

Accepted Answer

Your Freedom Number is the investment corpus at which your returns cover your monthly expenses — the point where working for money becomes optional. FINNCAL calculates it using India-specific inflation (6%) and a safe withdrawal rate of 5%.

Question 2

Is FINNCAL free to use?

Accepted Answer

Yes. All core tools — Freedom Number Calculator, Portfolio Tracker, X-Ray, Stress Test, City Finder, and Corpus Optimizer — are completely free. No credit card required.

Question 3

Is my financial data safe on FINNCAL?

Accepted Answer

All calculations run in your browser. Your financial numbers never leave your device. If you create an account, data is stored securely via Supabase (SOC 2 Type 2 certified). You can delete your data anytime.

Question 4

What is a safe withdrawal rate for India?

Accepted Answer

FINNCAL uses 5% as the safe withdrawal rate (SWR) for India — higher than the Western 4% rule — because Indian equities have historically delivered higher returns. Our research is based on 45 years of Indian market data.

Question 5

How is FINNCAL different from other retirement calculators?

Accepted Answer

Most retirement calculators use Western assumptions (4% SWR, US inflation). FINNCAL is built specifically for India: 6% inflation, 5% SWR, Indian tax rules, and tools like City Finder (62 Indian cities) and Stress Test (45 years of Indian market data).

Kodaikanal

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