Freedom Number
Freedom Number calculator: how much is enough?
The corpus that could cover your spending without a salary, sized to your age, and how long you are from it.
At today's prices: enough, with a 4% starting withdrawal, to support about ₹50,000 a month. At this pace you could get there around 2052.
- Estimated financial-freedom age
- 62, around 2052
- Progress
- 13.3%
- Freedom Number at today's prices
- ₹1.5 Cr
In the app your Freedom Number uses six months of real spending and updates as life changes.
Track it monthlyHow the Freedom Number calculator works
Your Freedom Number is a year of your usual spending divided by a 4% starting withdrawal rate: about 25 years of spending. If you spend ₹60,000 a month, it's ₹1.8 crore at today's prices.
The calculator then projects your retirement wealth month by month to estimate when it meets that number. It assumes 9.5% a year on investments after fund costs, prices rising 5% a year (so the target rises too) and your monthly contribution rising 5% a year with your pay.
It's a planning estimate, not a promise. Returns and prices move, so check it again every year, or let the app keep it current from your monthly check-in.
Common questions
Is the Freedom Number the same as a FIRE number?
Yes, it's the same idea: the corpus that could pay for your life without a salary, so work becomes a choice. FIRE stands for financial independence, retire early.
Why a 4% withdrawal rate?
It's a widely used rule of thumb: take about 4% of the corpus in the first year, then raise it with prices. It's an assumption, not a guarantee. If you want more margin, plan to spend less than 4% a year.
What counts towards my Freedom Number?
Money set aside for the long term: equity and debt funds, EPF, NPS, PPF and similar. Not your home, and not your emergency fund, which should stay in cash you can reach.
How can I reach it sooner?
Three levers: spend less (which lowers the target and raises what you can invest), invest more each month, and raise your contribution every year as your pay rises.