Financial Freedom Calculator
Estimate your FI number and see when your invested corpus may overtake your inflation-adjusted freedom target.
Your financial picture
Corpus vs inflation-adjusted FI target
Hover across the graph to inspect values
Updates instantly as you change assumptions.
How this tool helps
Estimate your financial-independence target from annual expenses and a chosen withdrawal rate, then compare it with your current invested corpus and monthly contributions.
- A lower withdrawal rate produces a larger FI target.
- Inflation can raise the target over time.
- Revisit the plan when income, expenses or investments change materially.
Worked example: Calculate an illustrative FI target
- Monthly expenses: ₹50,000
- Annual expenses: ₹6,00,000
- Assumed withdrawal rate: 4%
Using annual expenses divided by the selected withdrawal rate, the illustrative FI target is ₹1.5 crore.
A withdrawal-rate rule is a planning assumption, not a guarantee that a portfolio will last. Consider taxes, inflation, asset allocation and sequence-of-returns risk.
Frequently asked questions
What is an FI number?
It is an estimated invested corpus intended to support your lifestyle without relying primarily on employment income.
What is the withdrawal rate?
It is the percentage of the portfolio assumed to be withdrawn each year for living expenses.
Is financial independence guaranteed at the calculated date?
No. The timeline depends on future returns, inflation, contributions and spending.