Calculator
Financial Independence
The moment your portfolio earns enough that work becomes a choice.
dhanmetrics.com · Educational illustration only · Not investment advice
Financial Independence date
Work is optional on July 2051
Your FI number (today's ₹)
₹2,57,14,286
A corpus this size generates enough passive income — at the chosen safe-withdrawal rate — to cover your lifestyle indefinitely.
You reach FI in
25.1y
At age 55.1.
Passive monthly income at FI
₹3,23,457
In year-of-FI rupees. Matches your inflated expenses.
Corpus on the day
₹11,08,99,584 — same lifestyle, future rupees.
What this means
Financial independence is the moment investment income covers expenses. Your portfolio earning enough is what shifts work from need to choice. Savings rate is the biggest lever; raising returns matters less than raising the saving fraction.
Educational illustration only. “Indefinite” assumes constant real returns; sequence-of-returns risk in the first 5–10 years matters far more than averages. Keep working part-time near the date as insurance.
Adjust your scenario
Type, drag, or tap a chip — the result on the right updates instantly.
When does work become optional?
Financial Independence = portfolio income covers your lifestyle forever. We use a conservative 3.5% safe withdrawal rate to absorb Indian inflation.
What it actually costs to live your current life — pre-FI you, not aspirational you.
Assumptions