Your financial independence number
The corpus at which investment income can cover your living expenses indefinitely — commonly 25 to 30 times annual spending. It turns an abstract ambition into a target you can measure progress against.
What it means
The corpus at which investment income can cover your living expenses indefinitely — commonly 25 to 30 times annual spending.
Why it matters to a household
It turns an abstract ambition into a target you can measure progress against.
Where it trips people up
Calculating it on current spending without adjusting for inflation over the years it takes to get there.
In an Indian household
Indian households should size it on expenses including healthcare, which inflates faster than the general basket and matters more with age.
Where FamTally comes in
FamTally is a free AI-driven money manager built for Indian families. It holds your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and lets you ask an assistant questions about your own numbers rather than looking up general advice. Everything on this page is the kind of thing it works out for you automatically.
Stop doing this in a spreadsheet
FamTally keeps your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and answers questions about your own numbers. Free, and built for Indian families.
Start freeQuestions people ask
Your financial independence number
The corpus at which investment income can cover your living expenses indefinitely — commonly 25 to 30 times annual spending.
Why does it matter?
It turns an abstract ambition into a target you can measure progress against.
What do people usually get wrong?
Calculating it on current spending without adjusting for inflation over the years it takes to get there.
Is there anything India-specific?
Indian households should size it on expenses including healthcare, which inflates faster than the general basket and matters more with age.