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Financial freedom at 41: What should be your target corpus?

August 07, 2025

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Mint Chennai

I'm a 36-year-old single individual living with my elderly father. We don't currently own any property. My net worth stands at ₹1.2 crore, spread across EPF, PPF, and other investments. I earn a gross annual salary of ₹30 lakh, with annual living expenses of around ₹10 lakh. What should my target net worth be by the age of 41 to achieve financial freedom?

- Nehal Mota

Based on your financial profile and current market assumptions, your target net worth to achieve financial freedom by age 41 is approximately ₹4.24 crore. This is the corpus you would need to retire at 41 and maintain your lifestyle until the age of 85, assuming no further income from work.

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