Early Retirement in 2026? Calculate Your True Financial Independence Target Now

• Financial Independence (FI) means building a corpus whose investments cover annual expenses, freeing you from salary dependence.
• To calculate your FI target, start with real annual expenses, adjusting for inflation over your retirement timeline.
• Use the 25x rule (25 times annual expenses) as a base, but consider 30x for India due to higher healthcare inflation and market volatility.
• Subtract existing investments (equity, MFs, PPF, EPF, NPS) from your target to determine the remaining gap.
• Test different scenarios, including lower market returns and unexpected expenses, to ensure a robust plan.