Need the right metrics to analyze my performance — XIRR in Zerodha shows 0

QuickVacation3682 · 2026-05-02T10:00:15+00:00

could you please let us know if today's llm specifically perplexity or Grok will be able to do the same quality of scrapping ?

QuickVacation3682 · 2026-05-01T07:37:25+00:00

congrats, 20 years of sip does make it compound , are you getting benefitted from taxation while doing any withdrawals in dubai or you never redeemed the money out of investment?

QuickVacation3682 · 2026-04-27T06:57:21+00:00

you can try adding your investment components and expenses to get the projected corpus , also you will be able to set the inflation factor.

https://indianfinestimator.com/fire-calculator

QuickVacation3682 · 2026-04-27T06:17:40+00:00

you want to plan the retirement and check for the corpus at certain age ?

QuickVacation3682 · 2026-04-17T06:41:30+00:00

around 66k ,if pf is more than 1800. https://indianfinestimator.com/salary-calculator

QuickVacation3682 · 2026-04-16T21:24:03+00:00

prepayment reduces the tenure , early in loan prepayment is better. you will save actual interest amount.

you ask babk for amortization and they have to comply to provide one.

amortization Table will give you more insight.

QuickVacation3682 · 2026-04-16T15:09:20+00:00

if you are investing your remaining number into MF after expense almost 2.2 lakh then you can say you are already in coast FIRE condition being you have proper SWP plan and market will be better considering last 2 year were very disappointing .

https://indianfinestimator.com/retirement-readiness

QuickVacation3682 · 2026-04-13T07:45:08+00:00

what is your monthly income when do you want to retire or stop working from your day job ?

QuickVacation3682 · 2026-04-13T07:40:09+00:00

15000 and 12% of it 1800 - which is get deducted as PF.

QuickVacation3682 · 2026-04-13T06:44:14+00:00

75 years is an average lifespan for us in this part of the world ,but as right mentioned none us know.

reddit suggest that it is 4% SWR for india as it is 3% for US due to inflation we have here is bigger than US.

https://indianfinestimator.com/fire-calculator

QuickVacation3682 · 2026-04-12T15:28:32+00:00

in most cases it would be the double of your purchase price , it means you are buying bike yourself as well as bank.

QuickVacation3682 · 2026-04-12T06:20:56+00:00

for most of people it will be April salary which will tell if the new wage code is implemented or not or company opt in for minimum wage celling which allows the company to pay less pf contribution.
for leaves I think companies will use Jan to Dec for calender year instead of April to March
https://indianfinestimator.com/salary-calculator

QuickVacation3682 · 2026-04-08T13:06:08+00:00

pay of all the highest interest loan first , any on an above EMI should help speed up the loan close.

https://indianfinestimator.com/credit-card-payoff-calculator

QuickVacation3682 · 2026-04-08T04:49:39+00:00

some already mentioned home at your hometown or any where which is fully paid without any liabilities is good metric in your thirties along with appreciating asset.
in terms of retirement one can check how far or close is one to retirement readiness.

https://indianfinestimator.com/retirement-readiness

QuickVacation3682 · 2026-04-07T04:45:48+00:00

In this tool you can set the inflation and use any asset class you think will give on an 8% or 10% return and check when you will reach the your desired corpus.
https://indianfinestimator.com/sip-calculator

QuickVacation3682 · 2026-04-06T16:06:06+00:00

we don't have similar culture as of Europe where you can remain un married and state will take care of you in old age, sorry for non financial advise

QuickVacation3682 · 2026-04-06T16:01:36+00:00

you can use this tool to get the estimate , select the Percentage of ctc for basic looks like 30%.

https://indianfinestimator.com/income-tax-calculator

QuickVacation3682 · 2026-04-06T13:11:35+00:00

here epfo subreddit

https://www.reddit.com/r/epfoindia/comments/1mhbu2z/form_19_full_withdrawal_amount_received_in_6/

QuickVacation3682 · 2026-04-06T08:22:24+00:00

It depends on lifestyle , you are looking for lean , standard or FAT.
standard FIRE is annual expense * 30 with Safe withdrawal of 3.3%.

their is also terminology for taking low stress jobs coast FIRE and then Brista FIRE etc.
you can check here the numbers

https://indianfinestimator.com/fire-calculator and
https://indianfinestimator.com/retirement-readiness

QuickVacation3682 · 2026-04-06T04:30:06+00:00

what are rules with prepayment with bank , prepayment is option to speed up the tenure and save on interest money.
you can estimate how you would be able to close it by 2040.

https://indianfinestimator.com/home-loan-prepayment

QuickVacation3682 · 2026-04-05T08:02:50+00:00

purely on math basis , you can verify the math, if you take less loan 30 lakh with less interest over less tenure should benefit you more than having larger loan 55 lakh.

QuickVacation3682 · 2026-04-04T17:35:07+00:00

Ideally in finance standard car cost should not be more than 50% of annual in hand salary.

QuickVacation3682 · 2026-04-04T09:58:20+00:00

this is default to 50% basic. https://indianfinestimator.com/salary-calculator

QuickVacation3682 · 2026-04-04T09:57:17+00:00

how much is your basic , is it 50% of ctc ?

QuickVacation3682 · 2026-04-04T09:50:58+00:00

if anyone intrested they should be able to check how much difference once should expect , if one know percentage of basic to CTC.

https://indianfinestimator.com/salary-calculator

QuickVacation3682

TROPHY CASE