FI Timeline Calculator

Find when your investment returns will cover your living expenses, indicating financial independence.

Parameters
₹ Yrs
₹
₹ Mo
₹ Mo
%
%
Calculated Results
Age Reaching FI -
FI Corpus Reached -
Years to FI -
Inflation
%
Visual Projection
Invested
Corpus
Real Value
Yearly Breakdowns
YearBeginning BalanceInvestmentsGainsEnding BalanceAnnual Expenses
1          
2          
3          
4          
5          
6          
7          
8          
9          
10          

The Financial Independence Timeline

Financial Independence is reached when your safe withdrawal rate (SWR) exceeds your annual living expenses adjusted for inflation.

Formula & Mathematical Approach

Timeline calculator showing years remaining to reach financial independence.

Target Corpus=Annual Expenses×100SWR\text{Target Corpus} = \text{Annual Expenses} \times \frac{100}{\text{SWR}}
Remaining time simulated through compounding asset accumulation\text{Remaining time simulated through compounding asset accumulation}
Show Plain Text / Excel Formula 
Target Corpus = Annual Expenses * (100 / SWR)
Projects when net worth compounds to reach this target.

Key Assumptions

  • Annual savings and expenses increase with inflation.
  • Safe Withdrawal Rate (SWR) is constant.