The 4-step workflow
Step 1
Fill your Financial Snapshot
Enter your balances and contributions once. Neeti reuses it across goals and simulations.
Step 2
Create goals (one by one)
Retirement/FI, home, education, emergency. Each goal has its own timeline and target.
Step 3
Run baseline + what-if
Compare success probability and timeline impact. Change one thing at a time (SIP, age, corpus).
What does “Target-age success probability” mean?
It’s the percent of simulated market paths where your goal is reached by the target age. Higher is safer.
What does “Median first-hit time” mean?
Among successful paths, it’s the typical age/time when you first reach the target. It shows timeline confidence.
What should I do if success is low?
Try one of these: increase SIP, extend target age, add current corpus, or revisit target corpus assumptions. Compare deltas before deciding.
Where do assumptions come from?
Assumptions are visible in the Assumptions page and are editable. We recommend treating them as “defaults” and stress-testing with conservative scenarios.