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Rich in 3 Years · Anup Jhunjhunwala

Front-Load Calculator

Save hard for a few years, then leave the corpus alone and let it grow. Move the sliders to see your wealth multiple, your saver robot, and the saving rate you would still need after your front-load years. The defaults show the 3-year plan from the book.

Runs on the board32/250after 3 overs (years)
Wealth multiple3.2×years of living costs owned
Required run rate17%of income to save, years 4–30
From zero31%every year for 30 years

Your plan

Your living costs stay at the rest of your income, also after the front-load years.
0% means the corpus is left untouched and the rest goes to EMIs and milestones.

What your plan builds

Corpus after 3 years₹9.0 L
Saver robot54%
Wealth multiple in year 3013.7×
Full freedom reached—

Wealth multiple, year by year

Your front-load plan Steady 10% saver Full freedom (25×)

Scorecard

Illustrative only, not a guarantee. The model adds your saving at the start of each month, grows it at a fixed annual return, and raises salary and living costs by inflation every year. Wealth multiple = invested corpus ÷ that year's living costs. Real returns vary, some years are negative, and taxes and fees are ignored. Use it to compare plans, not to predict your future.