Spiritual Financial Planninga NLE - The Bird System series

The Giving
Ceiling™

Anand's daughter needed ₹40 lakh to close on her first home. He had it sitting in his portfolio, easy enough to move. He still didn't write the cheque for six months — not because he didn't want to, but because he'd never actually worked out what he needed for himself first.

When he finally did the math, his own floor turned out to be covered twice over. The ₹40 lakh had been sitting safely above his line the whole time. What had held him back wasn't the money — it was not knowing exactly where that line sat.

Below your line, holding on is just carefulness. Above it, holding on too tightly stops being caution and starts costing you the moments you didn't fund.

Find your Giving Ceiling

Your floor comes first. What sits above it is yours to give, freely.

Monthly household expenses today

₹

Your current total investible net worth

₹

Years until you'll rely on this corpus iUsually the years left to retirement. Your floor is set in today's rupees and grows with inflation, so this does not change your giving capacity — it shows what the same floor looks like in future rupees.

15 years from now

Other goals to reserve first (optional) iA known future cost you want protected before anything is set aside for giving — a child's wedding, a health fund, a business cushion.

₹

Expected annual inflation iThe rate your expenses are likely to grow each year. 6% is a reasonable long-run Indian household default.

6% per year

Safe withdrawal rate iThe share of your corpus you'd draw down each year, after inflation, without depleting it. 4% is a widely-used conservative starting point.

4% of corpus per year

Expected return on your corpus iWhat the money you keep is expected to earn each year until you need it. If this is above inflation, your floor can be smaller today because it grows into what you'll need. Set it equal to inflation to reserve the full floor with no growth assumed.

12% per year

Spread this gift over iSome families prefer one lump gift; others prefer a steady annual amount. This sets how many years to spread your safe giving capacity over.

5 years

Your safe giving capacity, today

₹0

₹0 exactly

Add your net worth above to see how it compares to your floor.

Your security floor (today)

₹0

Suggested annual giving budgetiYour safe giving capacity, spread evenly across the years you chose above.

₹0

Floor first, then ceiling

The shaded base is your protected floor. Anything rising above the dashed line — shown in the gradient — is your Giving Ceiling: wealth that's already doing its job, free to do someone else's good too.

The GivingCeiling™

Find your Giving Ceiling

Floor first, then ceiling

The Giving
Ceiling™