Spiritual Financial Planninga NLE - The Bird System series
The Enough Point™
Wealth past a certain point buys diminishing happiness — but it's easy to keep optimizing for it anyway. Your Enough Point is the corpus that lets your current life continue, indefinitely, without needing more.
Below it, growth matters. Above it, attention is the better investment.
Find your Enough Point
Five inputs. No jargon. Just the number where "more" stops being the point.
₹
₹
15 years from now
6% per year
4% of corpus per year
12% a year
0% — a flat SIP, same amount every year
Your Enough Point, 15 years from now
₹0
₹0 exactly
Add your current corpus above to see how close you already are.
Today's equivalent numberiWhat your Enough Point would be if you needed it today, before any inflation. The headline number above is this, grown forward to your target year.
₹0
Your corpus grows toiYour current corpus left alone to compound at the return you set, until your target year. You invest nothing further — this is what it becomes on its own.
₹0
Illustrative monthly SIP to close the gapiThe SIP you would start today, on top of your existing corpus, to reach the gap by your target year, growing at the return you set. Illustrative only — not a return guarantee.
₹0
Why "enough" matters more than "more"
Illustrative, not empirical — happiness doesn't chart on tick marks, but the shape holds. The curve rises fastest while you're building security, and flattens once you have enough. Chasing growth on the flat part costs more attention than it returns.
Every number above assumes your return arrives in identical slices, year after year. No portfolio has ever done that. A 12% decade shows up as −18, +31, +4 — and the order those years arrive in decides whether the plan holds.