# Sanchita — FIRE Calculator & Step-Up SIP Retirement Planner

> Sanchita is a client-side, 100% private dual-phase retirement planner and financial memoir simulator. It models discrete monthly compounding with geometric annual Step-Up SIP growth during accumulation (Phase 1) and inflation-adjusted living expense drawdowns with sequence of returns protections during retirement (Phase 2).

## Core Tools & Interactive Engines
- [FIRE Simulator & Step-Up Planner](https://sanchita.net/#calculator): Interactive simulator modeling customized starting corpus, monthly investments, step-up annuities, and life expectancy sustainability.
- [Open Knowledge Catalog (OKF)](https://sanchita.net/okf/index.md): Google Open Knowledge Format v0.2 machine-readable knowledge bundle.

## Mathematical Architecture & Educational Guides
- [Step-Up SIP Compounding Recurrence](https://sanchita.net/okf/step-up-sip-compounding.md): Discrete monthly growing annuity formulas and mathematical proofs.
- [The Four FIRE Archetypes in India](https://sanchita.net/okf/fire-archetypes-india.md): Detailed benchmarks for Lean FIRE, Regular FIRE, Fat FIRE, and Coast FIRE.
- [Safe Withdrawal Rates (SWR) in India](https://sanchita.net/okf/safe-withdrawal-rate-india.md): Trinity Study (4%) vs. high-inflation Indian macroeconomic regime (2.75%–3.25%).
- [Sequence of Returns Risk & Drawdown](https://sanchita.net/okf/sequence-of-returns-risk.md): Mitigating market downturns during early retirement distribution.
- [Local-First Privacy Architecture](https://sanchita.net/okf/local-first-privacy.md): 100% on-device browser execution without remote database transmission or SMS scraping.

## Author & Engineering Leadership
- Author: Abir Bandyopadhyay (Creator & Lead Engineer)
- GitHub: https://github.com/abirbandy
- LinkedIn: https://www.linkedin.com/in/heybandyo/
- Inquiries & Support: support@sanchita.net