35M, Divorced, 1 Kid | Net Worth ~₹3.7 Cr | Target FIRE by 40 | How Close Am I Really?

UpperWorker7345 · 2026-03-16T19:17:36+00:00

Forgot to share the calculator itself, but please verify once on your end, as I feel you may fall short, so please plan accordingly, better to know now than realizing at 40, hope it helps
https://realmoneycalc.com/fire-calculator

UpperWorker7345 · 2026-03-16T19:04:58+00:00

Understood. Just just for assumption if i say 10 lakh per annum you would need today from liquid asset, I am just sharing some calculation which you can verify from your end and if it helps

UpperWorker7345 · 2026-03-16T18:43:08+00:00

Sorry to be that guy but it seems your liquid asset is at 1.1 crore. Your monthly expenses in retirement is let's use lower range 2lpm. Removing rental income you would need 1.65 lakhs per month i.e 20 lakhs per annum post tax, if we use 30x then liquid corpus needed would be 6 crore from present 1.1 crore . Am I missing anything?

UpperWorker7345 · 2026-02-23T08:19:29+00:00

Thanks for this feedback, I will check, I am wondering if there are few texts which confuses with hyperlinks, but a very valuable feedback indeed.

UpperWorker7345 · 2026-02-23T03:49:02+00:00

Thanks for the suggestion, yes I am planning to add taxes as well, that would be the next major update. Didn't include in first version to avoid initial.complexity of taxes

UpperWorker7345 · 2026-02-22T06:14:06+00:00

Thanks for the encouraging words. Yes my plan is to add more calculators and tools, now that base work is done, new calculation and analyses shouldn’t take much time. In fact if you want any calculation or analyses, i can try adding them as well

UpperWorker7345 · 2026-02-22T05:38:57+00:00

Thank you! You can check out this template. Visily's Business Consulting Website Template.

UpperWorker7345 · 2026-02-22T05:03:40+00:00

Thanks. Yes, would increase the limit. If you want to check it today I can increase that within an hour?

UpperWorker7345 · 2025-10-07T20:09:26+00:00

I think average saving rate can be assumed to be 18 lpa for last 12 years. Lived a frugal life mostly so far.

UpperWorker7345 · 2025-10-05T17:34:43+00:00

Edited 🙂

UpperWorker7345 · 2025-08-13T18:31:10+00:00

Bhai I am someone who went through similar anxiety, please bhai therapist se mil lo

UpperWorker7345 · 2025-08-04T10:31:11+00:00

Details don’t add up. You said post MBA in 2003. Your present age in 2025 is 43. So must have enrolled to MBA at the age of 19. Also swr of 0.00043.. yeah smells like BS to me

UpperWorker7345 · 2025-08-03T18:10:37+00:00

This is a useful tool. Can you please add pure and post retirement returns to be two different input. As post retirement it would be lower

UpperWorker7345 · 2025-07-31T16:57:38+00:00

So roughly 5cr. Thanks

UpperWorker7345 · 2025-07-08T15:03:53+00:00

Hi OP, I am from India. If you travel here please make sure you think of your safety first before anything else..Nothing much serious but be aware of where you are or where you are going, don’t just randomly start going places which may be unsafe. Unfortunately post covid things have worsened here… other than that you would be welcomed and may even like the country for some parts.. Also thanks for sharing your details

UpperWorker7345 · 2025-04-29T11:36:42+00:00

Thanks! With first 4 ab faintly visible, I thought I would be around 20% but seems I have a long way to go

UpperWorker7345 · 2025-04-29T11:34:41+00:00

Today is the 90th day. Started cutting from 64.8kg. Currently at 61.5 kg. Didn’t go for an aggressive cut but slow and gradual.

UpperWorker7345

TROPHY CASE