FIRE Calculator

Your Net Worth

₹

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You see numbers. We will show you the story they tell.

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Total Required Cover

₹

Result

We help you see beyond today into a secure tomorrow.

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Family Protection

₹

700000

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Emergency Readiness

Result

Life is unpredictable. Your emergency fund is the umbrella that protects your family.

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Corpus Gap

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Result

Retirement isn’t an end to NetWorth it’s when it starts giving back.

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CAGR

Result

Your NetWorth isn’t static, it's a living portfolio.

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What’s My Freedom Number?

What does it mean?

FIRE — Financial Independence, Retire Early — is the corpus at which your investments can cover your living expenses forever, so work becomes optional.

How does it work?

It estimates your annual expenses, applies the safe-withdrawal rule, and shows the corpus you need plus how far your current NetWorth has to go.

Formula:

FIRE Number = Annual Expenses × 25 (the 4% safe-withdrawal rule)

Years to FIRE depends on your savings rate and expected returns.

Example: If you spend ₹12 lakh a year, your FIRE number is about ₹3 crore. Once your NetWorth crosses it, you’re financially free.

FOLO Tip: FIRE is just a NetWorth target. FOLO shows you the live gap between where you are and your freedom number.

India's 1st NetWorth App

Join 25,000 families, who see their complete NetWorth on FOLO.

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Frequently asked Questions

what types of data can I organise in FOLO?

FOLO supports: Assets: Investments- stocks, mutual funds, Bank Balance, retirement funds (EPFO, NPS), and properties* Liabilities: Loans, credit cards, and debts. Insurance: Life, health, motor, and non-life policies. (Coming soon on FOLO) *in Mumbai currently

Is my data safe with FOLO?

Absolutely, FOLO employs end-to-end encryption, secure APIs, and multi-factor authentication, adhering to industry-best practices to ensure your financial data remains private and secure. As a SEBI-regulated entity, we adhere to stringent regulatory standards and best practices.

how does FOLO fetch financial data?

FOLO securely connects to your bank and investment accounts via Account Aggregation APIs and direct integrations with Data Custodians as a Financial Information User (FIU) on explicit user consent. This encrypted process fetches real-time financial data, ensuring accuracy and reliability.

how is my NetWorth calculated on FOLO?

FOLO calculates your NetWorth by aggregating data on assets and liabilities. Using the formula Net Worth = Total Assets - Total Liabilities, we calculate NetWorth on best effort basis with available data.

why is knowing my net worth important?

Knowing your net worth empowers you to take control of your finances, make informed decisions, and gain peace of mind about your financial future.

what is NetWorth?

NetWorth is the difference between what you own (assets) and what you owe (liabilities). It’s a key measure of your financial health and helps you plan for your future.

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What’s My Freedom Number?