My Goal: Achieve 5-to-5-in-12 in India

5-to-5-in-12 program is an ambitious goal to get fincial independence akin to FIRE (FI and retire early). I write about my progress on 5-to-5-in-12 in India
Big goals 5-to-5-in-12

It is pretty gutsy for someone to say they are going to start with Rs.5 lakhs and grow that to Rs.5 Crores. Truth be told, vaster fortunes have been made with far smaller capital. But all those rags to riches stories you would have heard is of entrepreneurs and businessmen who grew thousands to millions. Not those average middle class employees. Let’s see what 5-to-5-in-12 is all about.

Why 5 Crores?

5 crores is a lot of money. My current net worth is about 30-35 lakhs. I wanted an amount that will be sufficient to make me financially independent. What I mean is, a source of passive income that will be adequate for me to live comfortably on even if I do not have a job. With 5 crores, I could easily generate passive income to the tune of over Rs.1,50,000 per month after taxes. Hence I chose this as the target.

Why in 12 years?

Well, I am 28 years old and wish to have financial freedom by the time I am 40. I look at 40 as my peak year post which I start nearing old age. Say, if you are 25 years old, you could call it 5-to-5-in-15 taking a few more years than me to achieve this.

How easy or difficult is 5-to-5-in-12?

5-to-5-in-12 is not easy. I set up a linear calculation for increasing my wealth. The 5 lakhs I had, plus the Rs.24,500 (increased by 10% every year) I will be adding to my investments every month, with an interest of 1% every month for the next 12 years gave me a final amount of Rs.3.5 crores. This is Rs.1.5 crores short of my target.

I find this fun. This means I need to save more than Rs.24,000 (+10% every year) and also improve my run rate to get an interest of over 1% on my investments. Impossible? No, it is definitely possible.

What after 12 years?

In 12 years I may or may not have reached my goal of Rs.5,00,00,000. Nevertheless, I do not plan to retire from my job. My intention has always been to have financial freedom. That is a sweet spot in my middle class life where I have an amount greater than my salary as passive income. Think about it, 5 crores generating even the 7% fixed deposit interest is over Rs.1,50,000 post tax.

This is sufficient for one to retire. However, like most Indians, I am not built for retirement. We need to keep ourselves productive and occupied.

Can anyone join the 5-to-5-in-12 program?

Knock yourselves out. It is something I made up to keep my eyes on the target. I am blogging about my progress to hold my self accountable and get motivation from you all. If this works for you, by all means follow it.

Feel free to contact me on for any advise or suggestions. Continue reading on to see my progress. I plan to write a lot on savings, buying more but spending less, deals and financial jugaads.


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Abhi is a 29 yr old Indian, on FIRE to retire by 40. He has been investing and learning Finance for the past 12 years. After completing Mechanical engineering, he started working in a multi-national Bank and grew to become an AVP. Currently with an IT MNC as a VP. He lives in Bangalore with his wife and their 1 year old daughter. In his free time, Abhi loves to game on the Xbox, watch movies, read and blog.

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