Net worth update per

This is my #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to INR 9,676,000 and my FI portfolio increased to INR 9,676,000

Net worth

INR 9,676,000

Since the last update on my net worth has increased with INR 176,000 (+ 1.85 %).

FI portfolio

INR 9,676,000

Since the last update on my FI portfolio has increased with INR 176,000 (+ 1.85 %).

Net worth
FI portfolio

The changes for each asset class compared to the previous reporting () is shown in the table below. All numbers are in INR.
Previous Change Current
Cash 400,000 +735,000 1,135,000
Investments 7,800,000 -559,000 7,241,000
Retirement acc 1,300,000 0 1,300,000
Real estate 0 0 0
Other assets 0 0 0
Total assets 9,500,000 +176,000 9,676,000

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 32.3% on my way to achive my FIRE target of INR 30,000,000. This is 0.6 percentage points closer, compared to the last net worth update.

INR 9,676,000 FIRE target: INR 30,000,000


FI portfolio

My FI portfolio now consists of INR 7,241,000 (74.8%) in investments, INR 1,300,000 (13.4%) in retirement accounts, and INR 1,135,000 (11.7%) in cash.


Since my last update, my investments decreased with INR -559,000 (-7.17%).

Retirement accounts

Since my last update, my retirement accounts decreased with INR 0 (0.0%).

How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be INR 32,253 for the rest of my life.

Monthly SWR amount
Retire today with (INR)
(4.0% SWR)
(3.5% SWR)
(3.0% SWR)

When can I retire?

FI date

My age


I am currently aiming to save/invest approximately INR 350,000 each month.

Assuming an annual return of 12% on my investments and my retirement accounts, I aim to reach my FIRE target of INR 30,000,000 in 3 years and 2 months, in , and at that time I will be 31 years old.

By that time I will have invested/saved another INR 13,650,000, while the rest will be return on my existing FI portfolio and the new investments, in total INR 6,674,000

Financial independence forecast