Financial Independence Age Calculator

At what age can you stop needing a salary? Find your FI age.

Your Numbers

30
12%
6%
Age 48
Your Financial Independence Age

Your Corpus Growth to FI

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How this is calculated

Target Corpus = Annual Retirement Expenses × 25   (4% rule)
Each year: Corpus = Corpus × (1 + return) + Annual Savings
The inflation-adjusted target grows every year.
FI Age = first age where Corpus ≥ inflation-grown Target.

India average savings rate: 18.4% (RBI 2024)
Median formal-sector retiree corpus: ₹8.2 lakh (PFRDA)

Source: RBI Annual Report 2024 (household savings); PFRDA Annual Report 2023-24; EPFO Annual Report 2023-24. FI uses the 25× / 4% safe-withdrawal rule.

Disclaimer: A simplified projection using constant returns and inflation. Real markets fluctuate. Consult a SEBI-registered advisor before retirement decisions.

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Frequently Asked Questions

How much corpus do I need to retire in India?

A common rule is 25× your annual expenses (the 4% rule). For ₹50,000/month expenses that is about ₹1.5 crore in today's money, rising with inflation.

What is the average retirement savings of an Indian?

The median formal-sector retiree has around ₹8.2 lakh corpus (PFRDA). Average EPF corpus at retirement is about ₹28 lakh (EPFO).

What is the 4% rule for retirement?

It says you can withdraw about 4% of your corpus per year indefinitely, implying a target corpus of 25× annual expenses.

How much should I save per month to retire at 45?

It depends on your age, expenses and returns. This tool shows how much earlier FI comes if you save ₹1,000-₹10,000 more per month.