When Can You Retire Early?
Calculate your Financial Independence number and how many years until you can retire early. Based on savings rate, investments, and the 4% rule.
4% Rule
FIRE number = annual expenses × 25। ₹5 लाख/month expenses: ₹60 लाख/year × 25 = ₹15 करोड़। ₹30,000/month expenses: ₹3.6 लाख × 25 = ₹90 लाख — India में achievable!
भारत में FIRE
India advantages: low cost of living, family support, affordable healthcare। Index funds (Nifty 50): 12-15% historical returns। PPF: 7%+ tax-free। NPS: additional ₹50,000 tax deduction (80CCD)। r/FIREIndia community बढ़ रही है।
Mr. Money Mustache popularized the insight that a 50% savings rate means you can retire in roughly 17 years regardless of income level. The math works because high savings both builds your portfolio faster AND reduces the amount your portfolio needs to generate.
