# Sanchita — FIRE Calculator & Step-Up SIP Retirement Planner

> Sanchita is a client-side, 100% private dual-phase retirement planner and financial memoir simulator. It models discrete monthly compounding with geometric annual Step-Up SIP growth during accumulation (Phase 1) and inflation-adjusted living expense drawdowns with sequence of returns protections during retirement (Phase 2).

## Core Tools & Interactive Engines
- [All-in-One FIRE Simulator & Step-Up Planner](https://sanchita.net/#calculator): Interactive simulator modeling customized starting corpus, monthly investments, step-up annuities, and life expectancy sustainability.
- [Step-Up SIP Calculator](https://sanchita.net/tools/step-up-sip-calculator): Calculate the exponential multiplier of increasing mutual fund SIPs annually with salary hikes.
- [Coast FIRE Calculator India](https://sanchita.net/tools/coast-fire-calculator): Calculate required lump sum today to coast to early retirement with zero future savings.
- [₹1 Crore Doubling Speed Calculator](https://sanchita.net/tools/crore-doubling-calculator): Visualize the psychological wall of the 1st Crore and accelerating compounding velocity.
- [Rent vs Buy Calculator India](https://sanchita.net/tools/rent-vs-buy-india): Compare 20-year homebuying vs renting + investing downpayment and cash savings in Step-Up SIP.
- [Inflation SWP Calculator](https://sanchita.net/tools/swp-inflation-calculator): Stress-test mutual fund systematic withdrawal plans with 6% annual inflation compounding.
- [Sanchita Publication & Essays](https://sanchita.net/blog): In-depth financial reflections, discrete compounding models, and retirement case studies in India.
- [Open Knowledge Catalog (OKF)](https://sanchita.net/okf/index.md): Google Open Knowledge Format v0.2 machine-readable knowledge bundle.

## Featured Essays & Case Studies
- [How I Calculated My Real FIRE Target in Bangalore](https://sanchita.net/blog/how-i-calculated-real-fire-bangalore): Why the US 4% Trinity rule fails in high-inflation Indian metros and how a 33x multiplier with a 10% Step-Up SIP secures early retirement.
- [The ₹1 Crore Milestone Psychological Wall](https://sanchita.net/blog/first-crore-psychological-wall): Why the first ₹1 Crore takes 8 years and the second takes 3, the discrete mechanics of corpus velocity, and overcoming the early compounding slump.
- [Why a 10% Annual Step-Up SIP Beats Searching for 10x Stocks](https://sanchita.net/blog/step-up-sip-multiplier-vs-stock-picking): Why increasing annual SIP by 10% beats searching for multibaggers, savings rate leverage, and the 15-year math of 12% index compounding vs 15% active alpha.
- [Why We Don't Track Every Cup of Chai](https://sanchita.net/blog/why-we-dont-track-every-chai): The cognitive cost of micro-budgeting, expense fatigue, and why reflective financial journaling and automated macro-savings build lasting freedom.
- [Sequence of Returns Risk in India](https://sanchita.net/blog/sequence-of-returns-risk-india): Why retiring right before a market crash destroys a 40-year portfolio in India, the math of reverse compounding, and the 3-year cash cushion defense.
- [The Hidden LTCG Tax Drag](https://sanchita.net/blog/hidden-ltcg-tax-drag-retirement): How the Budget 2024 12.5% equity capital gains tax drains ₹38 Lakhs from a 30-year SWP and how Section 112A annual exemption harvesting recovers it.
- [Coast FIRE in Your 30s](https://sanchita.net/blog/coast-fire-in-your-30s-india): How front-loading ₹35–45 Lakhs into index funds by age 32 eliminates retirement savings forever and buys 26 years of career autonomy.
- [Dual-Income Tech Couples FIRE Blueprint](https://sanchita.net/blog/dual-income-couples-fire-plan): Living entirely on one salary while investing the second with 10% Step-Up SIPs to build a ₹6 Crore layoff-proof retirement corpus by age 42.
- [Why Buying a Flat Delays FIRE by 9 Years](https://sanchita.net/blog/rent-vs-buy-fire-metros): The mathematical proof of 2.8% compressed rental yields vs 12% equity index SIP compounding in Indian IT hubs.
- [The 6% CPI Inflation Mirage](https://sanchita.net/blog/real-inflation-tier-1-india): Why official CPI underestimates urban living costs and why modeling 8% lifestyle inflation prevents premature retirement depletion.
- [EPF vs PPF vs Mutual Funds](https://sanchita.net/blog/epf-ppf-vpf-vs-mutual-funds-fire): Navigating the post-2023 debt tax rules, the 8.25% sovereign EPF advantage, and structuring a multi-tier fixed income defense.
- [The ₹1 Crore Health Cover Defense](https://sanchita.net/blog/health-insurance-super-topup-fire-india): Why 14% medical inflation destroys early retirement portfolios and how a ₹10L base + ₹90L Super Top-Up policy solves the risk.
- [SWP vs Dividend Plans: The True Tax Math](https://sanchita.net/blog/swp-tax-efficiency-vs-dividend-plans): Why IDCW dividend plans are a 35% tax trap and how Systematic Withdrawal Plans save ₹4+ Lakhs in annual taxes.
- [Is NPS Worth It for Early Retirees?](https://sanchita.net/blog/nps-national-pension-system-tier-1-fire): Unpacking the 80% mandatory annuity lock-in on pre-60 exit vs the ₹50,000 Section 80CCD tax deduction.
- [What Fat FIRE Costs in India](https://sanchita.net/blog/fat-fire-india-lifestyle-budget): The ₹10 to ₹12 Crore Tier-1 reality for unconstrained early retirement with private schools, international travel, and full domestic staff.

## Mathematical Architecture & Educational Guides
- [Step-Up SIP Compounding Recurrence](https://sanchita.net/okf/step-up-sip-compounding.md): Discrete monthly growing annuity formulas and mathematical proofs.
- [The Four FIRE Archetypes in India](https://sanchita.net/okf/fire-archetypes-india.md): Detailed benchmarks for Lean FIRE, Regular FIRE, Fat FIRE, and Coast FIRE.
- [Safe Withdrawal Rates (SWR) in India](https://sanchita.net/okf/safe-withdrawal-rate-india.md): Trinity Study (4%) vs. high-inflation Indian macroeconomic regime (2.75%–3.25%).
- [Sequence of Returns Risk & Drawdown](https://sanchita.net/okf/sequence-of-returns-risk.md): Mitigating market downturns during early retirement distribution.
- [Local-First Privacy Architecture](https://sanchita.net/okf/local-first-privacy.md): 100% on-device browser execution without remote database transmission or SMS scraping.

## Author & Engineering Leadership
- Author: Abir Bandyopadhyay (Creator & Lead Engineer)
- GitHub: https://github.com/abirbandy
- LinkedIn: https://www.linkedin.com/in/heybandyo/
- Inquiries & Support: support@sanchita.net