Financial independence
Put a number on a future with more freedom.
Your FI target in today’s rupees
Review this plan regularly as your family, spending and markets change.
For illustration only. Read the assumptions below for the full picture.
Understand your result.
Explore a financial independence target from household spending and an assumed withdrawal rate. The model compares future portfolio growth with a target that rises with the inflation assumption.
The target in today’s rupees and the future target are different. Higher future expenses can move the finish line even while the portfolio grows.
A worked example.
Using this calculator’s default inputs, your fi target in today’s rupees is ₹2,05,71,429. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Monthly expenses today | ₹60,000 |
|---|---|
| Current invested corpus | ₹15,00,000 |
| Monthly investment | ₹30,000 |
| Expected annual return | 10 % |
| Annual inflation | 6 % |
| Withdrawal rate | 3.5 % |
A common mistake to avoid
Treating a chosen withdrawal percentage as a guaranteed safe rate for India.
Questions you might have.
Does the target include one-off costs?
No. Add a separate allowance for major medical, education, housing or other costs not reflected in regular monthly expenses.
What does beyond 60 years mean?
The portfolio does not reach the modelled target within the search horizon. Review spending, contributions and assumptions rather than interpreting it as a forecast.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Today’s target = annual expenses ÷ withdrawal rate. For each future year, inflate expenses and project the portfolio with monthly contributions, then test whether the portfolio reaches that year’s target.
Assumptions & things to know
Assumes constant contributions, returns, inflation and withdrawal rate. The chosen withdrawal rate is a planning assumption, not a safe guarantee for India. No tax, fees, pension or major one-off spending included.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.