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How early could I stop working?

The FIRE Planner’s Independent by figure answers it: the earliest age at which your real projection still lasts to the end of your plan. The levers show what would bring it sooner.

Open the FIRE Planner and read Independent by on the financial freedom index card. It is the earliest age at which you could stop earning and your savings are still projected to last to your Plan until age — worked out, not typed in. Nivritee runs your whole projection again at different stopping ages, with every rate, cost and goal as they are, and finds the earliest one that holds.

Two ages, side by side

  • Age you stop earning is the age you chose, under You & your assumptions. The verdict on the Overview reads the plan at that age.
  • Independent by is the earliest age the arithmetic allows. If it is earlier than the age you chose, you have room; if it is later, you have a gap. The card sets one against the other.
  • If no stopping age works on today’s figures, it reads Not yet, and the card says the plan does not reach independence on these numbers.

What would bring it sooner

Under What would move this on the Overview, up to three changes are each run through the whole projection and priced in years: saving a little more, living on a little less later, and clearing your costliest loan. Each is sized from your own figures. See the levers.

Overview

What would move this

Each one re-run through your whole projection, against the 54 it currently projects.

  1. 1 year earlierSave a little moreA tenth of the ₹1,21,200 a month your plan already leaves over.
  2. 1 year earlierLive on a little less laterA tenth of the ₹15L a year your plan says the life you have now will cost once you stop earning.
  3. No earlierClear the costliest loanThe ₹35,00,000 outstanding on Home loan, at the 8.3% your own repayment schedule implies.
And on the Portfolio Tracker

1Ahead of plan ₹63.86L — Returning 12.7% against the 11.0% your plan assumes, over 4.3 years.

2Not yet listed ₹10L — ₹10,00,000 of what you hold is a single figure — list it as holdings to see its return.

Each figure is a projection on today’s assumptions, not a promise — and each is one change on its own, not all of them together.

The levers as the site draws them for the illustrative household, each with the years it is projected to bring independence forward.

Illustrative figures — not anybody’s real plan.

For a couple

Each of you can stop at a different age. When you both earn, your partner’s stop is set relative to yours, so the search for the earliest age moves you both together, and figures read when the first of you stops are labelled with that age — it is when the household’s income first falls.

See this in your own plan.

Open FIRE Planner

Last reviewed 4 October 2026.