Aarambha: Learn & InvestRetiring early means having enough invested to live on without a salary. The idea is to take out only a small share each year, so the money keeps lasting. Find the amount you'd need in today's money, and how many years your current saving puts you from it.
Your numbers
Sixty thousand rupees
The share you take out each year. Lower is safer.
Ten lakh rupees
Forty thousand rupees
Raised every year with inflation.
An assumption, not a promise.
You need, in today's rupees
₹2.06 Cr
At this pace: 23.8 years.
- If returns are 8% instead
- 29.5 years
- Multiple of a year's spending
- 28.6×
- The target in that year's rupees
- ₹8.21 Cr
Assumptions · Checked 5 November 2026 by Prashanth Sekhar
Estimates for education, not tax, legal or investment advice. Report a wrong number
Understand your result
Your FI number is the amount that can pay for your life on its own. Divide a year's spending by a safe withdrawal rate: at 3.5%, you need about 29 times a year's spending.
India's inflation has been higher than America's, so the US "4% rule" is too aggressive here. Many planners use 3% to 3.5%, and keep a few years of spending in safe assets.
A common mistake
Planning around today's spending without health costs. Medical inflation runs well above general inflation, and insurance premiums rise with age.
How it's worked out
Target = yearly spending ÷ withdrawal rate. Money grows at the real return, (1 + return) ÷ (1 + inflation) − 1, plus the monthly investment.
Assumptions
- Everything is in today's rupees: the monthly investment rises with inflation and the return is after inflation.
- Returns are steady every year, which they never are. Weak years just after you stop working hurt most.
- Tax on withdrawals and health costs that rise faster than inflation are left out.
Sources
Updates
- 5 November 2026: Published. Rules checked against the Income-tax Act, 2025, the Finance Act, 2026 and the official October to December 2026 rates.
Questions people ask
What does "today's rupees" mean?
Everything is shown at today's prices. ₹2 crore in today's rupees is far more in the rupees of 2045, but it buys the same life.
What withdrawal rate should I use?
A lower rate is safer. 3% to 3.5% is a common choice in India; retiring very early argues for the lower end.
What return should I assume?
Use a blend of what your mix of equity and debt might earn, and try a lower number too. The gap between return and inflation is what matters.
Does this include my EPF and PPF?
Include them in "Already invested" if you'd count them towards independence.