Plan with clarity

Financial Independence Calculator

Estimate the fund you need by your target FI date, including inflation-adjusted living costs and the loan cash outflow you will make along the way.

Your details

Change any value; results update as you type.

Fixed planning assumptions

Living expenses increase 5% every year. SIP return is assumed to be 13% per annum.

Your FI plan

Expenses grow at 5% annually. SIP return is assumed at 13% p.a.; taxes and existing investments are not included.

Target fund required by FI
₹0

Inflation-adjusted expenses + loan cash outflow through FI

Loan cash outflow until FI
₹0
Every EMI paid before the FI date
Inflation-adjusted expenses until FI
₹0
Monthly SIP required
₹0
Expenses as % of income
0%
Monthly expenses ÷ monthly income
Age at financial independence
—
Your current age + FI target period
How the target fund is calculated