Rome - Nexus
Raunaq & Nehel · data as of — · workbook — · · all values ₹ Lakh (₹L) / ₹ Crore (₹Cr) unless stated
Snapshot mode
Net worth (net of loans)
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cost basis · hover for breakdown
Gross assets
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Annual household income
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Savings rate
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household, incl. cash residue
Invested / month
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Stock book today
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needs live data
Top gainer today
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Top loser today
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Best vs cost
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Worst vs cost
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Cash & liquidity · 12 months ahead
Concentration · every asset as a share of net worth
Cashflow waterfall · ₹L per year
Key risk flags
— of the India stock book — single largest balance-sheet risk.
Speculative share of blended cost basis — well above the prudent 20–25% ceiling.
Term cover gap — no pure term policy; endowment cover is negligible vs 12× income.
— due — — funding plan needed (modeled as an outflow that year).
Assumptions
Changes persist on this page. Income, expenses & balances live on the Inputs tab; contributions derive from them automatically.
Corpus at retirement
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% of static target
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True FIRE year
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Static target reached
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corpus ≥ target
Corpus depletes at
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Coast FIRE number
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Accumulation — corpus vs targets · ₹Cr
Post-retirement drawdown · ₹Cr · spends inflated expenses, credits policy income
Scenario comparison · full engine re-run
| Scenario | Equity return | Corpus at ret. (₹Cr) | vs target |
|---|
One-time inflows modeled · react to ESOP / FX / bonus inputs
| Year | Event | ₹L |
|---|
Invested
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cost basis
Market value
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snapshot LTPs
Day's change
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live P&L today
Unrealised P&L
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Speculative share
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cost basis
Top holding
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market weight
Class mix · market value
Concentration · market weight
Holdings · snapshot 11-Jun-2026 · † = manual price
View:
· annual adds variable income: bonus (Apr), AWS (Dec), ESOPs & benefits (1 Apr)
Household income
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Expenses + insurance
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Invested
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SIPs + PPF + RD
Cash residue
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unallocated savings
Savings rate
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save + invest ÷ income
RG — monthly (₹L) · edit on Inputs tab
| Item | Type | Native | ₹L/mo |
|---|
NK — monthly (₹L)
| Item | Type | Native | ₹L/mo |
|---|
Where the income goes
Auto Loans outstanding
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BMW + VW Taigun · live-derived from loan terms
Combined EMI
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BMW + VW/mo
Balloon due Jun-2030
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BMW final EMI
Total interest over loans
₹20.19 L
BMW ₹17.1L + VW ₹3.1L · on ₹60L principal
Avg card spend
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SGD/mo · all cards, since May-2024
2026 card spend YTD
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Auto loan amortization · closing principal ₹L · BMW (Raunaq) & VW Taigun (Nehel)
Credit card spend · SGD/mo · CITI + AMEX SG + AMEX India
Card spend — last 12 months · SGD (AMEX India converted)
| Month | CITI | AMEX SG | AMEX India | Total |
|---|
Yearly card totals
| Year | Total SGD | ≈ ₹L | Avg/mo SGD |
|---|
Snapshot from the workbook's Credit Cards sheet (May-2024 → Jul-2026). Card spend is informational — it is already inside your living-expense inputs, so it does not double-count in cashflow.
Emergency fund
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cash reserves vs ₹20L target
Term cover gap
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vs 12× income need
Speculative equity
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blended IN+US cost basis · ceiling 20–25%
EMI-to-income
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benchmark ≤ 40%
Solvency ratio
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net worth ÷ gross assets · ≥ 50%
Financial health scorecard · live
| Metric | Value | Benchmark | Status |
|---|
Protection gap · live from income inputs
| RG annual income | — |
| Term cover required (12×) | — |
| Existing death cover (LIC + HDFC) | — |
| Term cover gap | — |
| Standalone health cover | ₹0 |
HDFC ₹12.7L death cover lapses Dec-2027. Endowment cash value is savings, not protection.
Currency exposure · at market value
INR—
USD—
SGD—
Income is SGD; assets are mostly INR — a natural hedge on an Indian retirement, but SGD/USD savings convert at prevailing rates.
Cash in hand
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dividends + savings interest
Accruing
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compounds inside the instrument
Total passive income
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₹/yr from your assets
Yield on assets
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÷ gross assets
Covers your outgo
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the FIRE finish line is 100%
Gap to independence
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still funded by salary
What your assets pay you · ₹L per year · current streams only
| Stream | Owner | Base | Rate | ₹L / yr | Nature |
|---|
"Cash" lands in your account and could be spent today. "Accruing" is real return that compounds inside PPF/EPF/FD/RD — it grows your net worth but you cannot live on it until you withdraw. Dividends are shown net of withholding; rates for deposits come from the Inputs tab.
Future income already contracted · ₹L per year · no growth assumed
| Source | ₹/yr | From | Until | Total nominal |
|---|
Where passive income comes from · ₹L/yr
Dividend income · trailing · India + US + Singapore · gross and net of withholding
Gross dividends
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₹/yr · all markets
Net after tax
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what reaches you
Yield on cost
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gross ÷ equity at cost
Yield on market
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gross ÷ equity at market
Monthly equivalent
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net ÷ 12
Payers
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holdings paying a dividend
| Holding | Market | Div / share | Units | Gross ₹L | Share |
|---|
Net worth (latest)
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—
Net worth MoM
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vs prior month-end
Net worth QoQ
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vs 3 months prior
Net worth YoY
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vs 12 months prior
Income (latest)
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₹L/mo · household
Returns — XIRR · India stock book · since Apr-2023 · money-weighted, annualised · exact tradebook flows · marks to live prices
Book XIRR (since Apr-2023)
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—
Total gain
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— in · — out
Book value now
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at live prices
Realised gains
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banked on sells & closed names
Unrealised gains
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on paper · at live prices
Nifty 50 shadow
pending
needs Nifty closes on flow dates
Net worth & gross assets over time · ₹L · at market value · snapshots over time
Capital deployment — India stock book · ₹L per year · actual tradebook flows
Returns by scrip · exact tradebook flows · marks to live prices
| Scrip | Bought ₹L | Sold ₹L | Value ₹L | Gain ₹L | Realised ₹L | Unreal. ₹L | XIRR |
|---|
Method: every trade from the InvestRight tradebooks FY20-21 → FY26-27 — 2,032 trades, 28-Sep-2020 to 14-Jul-2026, aggregated to 767 same-day/same-scrip/same-sign flows (mathematically identical for XIRR). Gross market value: brokerage/STT of roughly 0.1-0.3% is not netted off, so true returns run a little lower. Seven positions were already held when the first trade lands on 28-Sep-2020 (IDEA 16,172 · Tata Steel 200 · Tata Motors 300 · Suzlon 2,000 · Yes Bank 200 · RIL 5 · Waaree 1); each is anchored at its own first traded price, ₹2.72L in total — 0.9% of ₹3.04Cr lifetime buys, so almost nothing here is assumed. HDFC Bank's Aug-2025 1:1 bonus is cash-flow-neutral and handled. "Closed round-trips" bundles every fully exited name (~54 of them now, including the FY21-22 churn in JSW Ispat, Dish TV, Jaiprakash, Thyrocare, HFCL, Alok, Exide, Zee Learn and Bombay Dyeing). A small residual remains where the reconstructed quantity exceeds today's holding (IDBI 1,226 sh, INFY 48) — shares that left the account without a matching trade; the effect on XIRR is negligible. The most recent flow, IDEA 5,000 sh for ₹66,050 on 24-Jul-2026, comes from the workbook rather than the export, which ends 14-Jul-2026. Nifty shadow lights up once index closes are supplied.
Returns by financial year · Apr–Mar · money-weighted, annualised · book marked at FY-end closes
| Year | Money in ₹L | Money out ₹L | Book at year-end ₹L | Gain in year ₹L | XIRR |
|---|
Method: each FY = opening book (prior FY-end mark) + that year's tradebook flows + closing book at FY-end prices. Boundary marks: 28-Mar-2024 and 28-Mar-2025 closes (last trading days of those FYs); FY25-26 marked at 27-Mar-2026 Friday closes. Marks are exact (NSE closes) for IDEA, YESBANK, PAYTM, SUZLON, IDBI, BAJAJHFL, CGPOWER — 85%+ of book value at every boundary; smaller positions (TCS, INFY, silver ETF, LT, LICHSGFIN etc.) are marked at approximate/current prices, so treat each FY XIRR as accurate to roughly ±1–2pp. FY26-27 runs to today at live prices.
Growth summary · latest snapshot vs prior period
| Metric | MoM | QoQ | YoY |
|---|
Add / update a snapshot
Capture this month's figures from the live dashboard, or add a blank row to type manually. Data is saved on this device and survives reloads.
Snapshots · latest first · editable · at market value
| Date | Gross ₹Cr | Loans ₹Cr | Net worth ₹Cr | Income ₹L/mo | Notes |
|---|
Household income
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₹L/mo
Total outgo
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expenses + insurance, ₹L/mo
Invested + residue
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Savings rate
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benchmark ≥ 30%
Equity contribution
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₹L/mo → FIRE engine
Net worth (net of loans)
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gross − loans
Control panel · everything here flows through cashflow, scorecard, protection gap and the FIRE engine · persists in this browser
Notes: FX rates and FIRE assumptions live on the FIRE Simulator tab. Base equity contribution = IND SIP + SG ETF SIP + NK MF SIP. Base debt+cash contribution = PPF + RD + both cash residues. Stock holdings are a file snapshot — re-upload the workbook to change them.