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This calculator helps you estimate your Financial Independence (FI) number — the investment corpus needed so that safe portfolio withdrawals can cover your living expenses without requiring employment income. It projects net worth year by year and shows when your wealth may cross the FI threshold.
In Simple Mode, you enter age, income, expenses, and current investments to get a straightforward FI projection. In Pro Mode, you can add tax-adjusted returns, a one-time Year 1 SORR shock, post-retirement expense step-down, retirement timing, and leave-behind goals for a more stress-tested scenario.
The model uses constant rates for returns, inflation, income growth, and withdrawal assumptions. Pro Mode adds estimation layers (tax haircut, SORR stress, and spending step-down), but real-life outcomes still vary due to market sequence, taxes, spending shocks, and behavior changes. Use this as a planning baseline for 2026 across India, the US, and the UK, and review inputs regularly.
What is a Financial Independence (FI) number?
Your FI number is the investment corpus needed so that withdrawals at a safe rate (commonly 4%) cover your annual expenses indefinitely. This calculator estimates that number for 2026 and projects when you might reach it across India, the US, and the UK.
How does the safe withdrawal rate affect my FI number?
A lower safe withdrawal rate (e.g. 3%) means you need a larger corpus but have a higher margin of safety. A higher rate (e.g. 5%) lowers the target but increases the risk of running out of money.
What does Pro Mode add in this FI calculator?
Pro Mode lets you stress-test your plan with average tax rate on returns, a one-time Year 1 sequence-of-returns-risk (SORR) shock, post-retirement expense step-down, retirement-age marker, and an optional leave-behind target.
What is SORR and how does it impact FI outcomes?
SORR stands for Sequence of Returns Risk — the risk that poor market returns arrive early in your journey or early in retirement. Even if long-term average returns look fine, an early negative shock can permanently reduce compounding because your corpus has less capital left to recover from. In this calculator, SORR is modeled as a one-time Year 1 return shock in Pro Mode and also increases the FI target as a safety buffer. More negative SORR assumptions generally push FI age later and require a larger corpus to reduce the probability of running out of money.
Does savings rate really matter that much?
Yes. Savings rate is the single most powerful lever for reaching FI faster. A higher savings rate both increases the amount you invest and decreases the lifestyle your portfolio needs to sustain.
Is this tool financial advice?
No. It is a scenario-based planning tool that gives indicative estimates. Real outcomes depend on market returns, tax rules, spending changes, and individual circumstances. Consult a qualified advisor.