Skip to content
Valmonk

Independence

What would you need, to not need the salary?

The corpus, in today's money, and how far off it is on your numbers.

FIRE India

₹
At this rate that arrives in 17 years, with everything measured in today's money.
Years away
17
  • already there6%
  • still to build94%
  • A year costs ₹6,00,000
  • Withdrawal 3.5%
Valmonkvalmonk.com/fire · not advice

The link carries your numbers, so whoever opens it sees this exact result. Nothing is saved on our side.

Your numbers, your assumptions. Not advice. We can't see the rest of your life. What that means.

₹6L

In today's money, for the life you actually want. Not what you spend now if that is not the same thing.

₹10L

What this assumes

All editable. Change one and the answer changes with it.

% a year

The 4% figure comes from American research run on American inflation. Against 5 to 6% here the same corpus supports less, which is why this starts lower and is yours to change.

% a year

Your assumption, not a forecast.

% a year

Everything here is computed in today's money at the real rate, so the target is a figure you can recognise.

How this works, and where the numbers come from

The 4% rule is not an Indian rule

It comes from American research run on American data, where long-run inflation is around 2 to 3%. India's has run 5 to 6%. A withdrawal rate that survives one does not automatically survive the other, and a calculator that hardcodes 4% is importing an assumption from a different economy without telling you. Here it starts at 3.5% and it is yours to move.

Everything is in today's money

The target and the projection both use the real rate, so the number you see is a figure you can recognise as a year of your own life rather than an inflated one you have to translate. Projecting nominal growth against a nominal target gives the same answer and is far harder to check.

What it will not tell you

Whether the number is achievable, what to hold, or whether any of this is a good idea. It reports what the arithmetic says under assumptions you set. Everything else is yours.

Educational, not advice. Your numbers under assumptions you set.

Put this tool on your own site

Free, for any site. One line of HTML, no account, and nothing that tracks your readers.

Get the snippet

Next question

  • What a return is really worth

    The same real rate, taken apart.

  • How much buffer you need

    The nearer number, and the one that comes first.