First calculation

Write the sketch. Label every output “sketch.”

8 min read · Beginner · Updated 2026-09-06

Worksheet

Do this on paper or in Finnass. Round numbers.

• Age today
• Annual must-pay spend (include dependents you will actually support)
• Sketch number: spend × 25, then a second line spend × 30
• Current invested garden + EPF + PPF + NPS (usable later, not the house)
• Hungry debt remaining
• Monthly add that can actually continue
• Years you are willing to keep the tap on
• A cautious growth range - write two endings, not one
• Health cover status
• One sentence: what would make this plan fail?

If the gap looks huge, that is information. Raise the add, lengthen the years, or rethink spend. Do not raise the growth guess to soothe the page.

**Note:** This is a teaching worksheet. Not a guarantee, not advice, not a product push. Rules and inflation will move.

• Two multipliers, two growth endings.
• The failure sentence is part of the math.
• Do not “fix” a gap by assuming 18%.

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Key takeaways

• Two multipliers, two growth endings.
• The failure sentence is part of the math.
• Do not “fix” a gap by assuming 18%.

Try next: FIRE calculator

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Educational only — not investment advice. Part of Independence on Finnass Guides. Prefer hands-on tools? Open Calculators or the FIRE calculator.