The New Meaning of Retirement

For most of us, “retirement” used to mean 60. But today, it’s not about age, it’s about readiness.

Can your investments sustain your lifestyle without needing a paycheck?‍

‍That’s what the Retirement Readiness Calculator helps you find out  your personal number for FIRE: Financial Independence, Retire Early.

What Is FIRE (Financial Independence, Retire Early)?

The FIRE Movement is simple yet powerful:

Build enough assets so your passive income covers your expenses — forever.

In other words:
When your investments generate more than you spend, you’ve achieved financial independence  and work becomes optional.

That’s true retirement freedom

The Science Behind Retirement Readiness

To measure retirement readiness, you need to know three numbers:

1. Your Monthly Expenses – what you’ll need to live comfortably after retirement
   
   
2. Your Corpus Goal – how much wealth you need to sustain those expenses
   
   
3. Your Current Investment Path – are you saving enough to reach it?
   
   

The Formula (Simplified FIRE Math)

Target Corpus = (Annual Expenses × 12 × 25)

This is based on the 4% Rule, a principle from the FIRE community suggesting that if you withdraw 4% of your corpus annually, your money can last indefinitely.

Example:

If your monthly expenses are ₹1 lakh, your annual need is ₹12 lakh.
So, ₹12 lakh × 25 = ₹3 crore.

That means: Once your investments reach ₹3 crore, you can retire with a ₹1 lakh/month lifestyle  for life.

How does FOLO’s Retirement Readiness Calculator help?

The calculator combines the FIRE principle with real-world Indian data like inflation, return rates, and investment growth.

You just enter:

• Desired retirement age
  
  
• Monthly expenses
  
  
• Current savings & monthly investments
  
  
• Expected returns and inflation
  
  

Why Retirement Readiness Matters? (Even If You Don’t Want to “Retire Early”)

• Freedom to choose: Financial independence gives you flexibility  not laziness.
  
  
• Peace of mind: Knowing you’re on track reduces money stress.
  
  
• Future security: Inflation-proof your lifestyle and healthcare costs.
  
  
• Legacy planning: Secure your loved ones beyond your working years.
  
  

 Common Mistakes People Make

• Ignoring inflation — ₹1 lakh today ≠ ₹1 lakh in 20 years
  
  
• Assuming returns will stay high forever
  
  
• Not tracking post-retirement expenses
  
  
• Delaying investing — time is your biggest ally
  
  

The Retirement Readiness Calculator fixes this, turning assumptions into clarity.

FOLO Takeaway

You don’t have to work forever, you just need to plan right.

Use the Retirement Readiness Calculator to discover your FIRE number, track your progress, and plan your financial independence timeline. Because retirement isn’t the end of work it’s the beginning of choice.

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Click here to use the calculator.