Retirement is an oft-discussed topic at freefincal  with a fair share of exposure to  early retirement. Here is a compilation of seven such posts in the form an e-book. This is the third such compilation.

The first was aimed at young earners, Starting Early, Starting Right and the second on DIY money management.

The third is on early retirement and fourth on post-retirement income generation strategies.

read more

This is a 'how to play' guide for the retirement 'bucket strategy' simulator that was published more than three years ago. Many have used the simulator and provided feedback. I thought it maybe a good time to revive the idea since more and more people are interested in post-retirement income strategies. They can be categorised into three:

  1. Those who are on the verge of retirement.
  2. Those who would like to plan for early retirement: Is it possible to retire early in India?
  3. Those who would like to manage their parent's retirement corpus.  (several posts available, will compile them)

This simulator provides simplistic random market returns to see the effect on the retirement nest egg. The simulator helps the user 'get a feel' about the bucket strategy, and the dangers of taking on too much risk.

read more


Financial freedom seeker and early retiree, Balaji Swaminathan shares his experience in an extraordinarily forthright interview.

Ever since I wrote  a post on ‘Is it possible to retire in India?’ I have received a wide range of responses from readers. Some agreed with me. Some were not sure, and some said I was completely wrong.

There is a limit to how much one can play around with an Excel sheet. I think it is time for everyone to learn from the real-life financial freedom seekers/ early-retirees.

read more


Here is a simple tool to check if you are on track to early retirement. It is also suitable for normal retirement and will work on Google sheets as well. Users can enter the current value of the corpus from online portfolio trackers.

It is basically an Excel retirement calculator, with a focus on tracking. The entries that will change with each retirement plan have been segregated.

Therefore, once a user enters the inputs for the first time, the effort required for tracking progress to retirement will take very little time.

read more


This is an analysis of my mutual fund investing journey in particular, the growth of my retirement corpus.  The aim of this post is only to share my insights. The main reason I did this analysis is to explore the possibility of creating a tool to automate this analysis.

My first ever equity investment was on 19th June 2008. The markets were about to crash, but I had no idea about all that simply because I was not looking.

read more