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FIRE Calculator (Financial Independence, Retire Early)

The FIRE movement is about aggressively saving and investing so you can retire long before the traditional age of 60. Use this calculator to determine your specific "FIRE Number" (the exact portfolio size you need to retire) and find out what age you will hit it.

Current Profile
30 Years
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Assumptions
6%
12%
4%

The percentage of your corpus you plan to withdraw annually. 4% is standard.

You can retire at Age

50

That's 20 years from now!

Target FIRE Corpus

₹4,81,07,032

At Age 50

Projected Corpus

₹5,08,58,470

At Age 50

FIRE Journey Projection

The 4% Rule and Safe Withdrawal Rate (SWR)

The FIRE movement is built on the concept of the Safe Withdrawal Rate. Historically, if you withdraw 4% of your total invested corpus every year (adjusted for inflation), your money should last for 30+ years without running out. Therefore, your FIRE Target Corpus = Annual Expenses / Safe Withdrawal Rate (or roughly 25x to 30x your annual expenses).

Accounting for Inflation

Because you might not retire for another 10 or 15 years, your current expenses will increase significantly due to inflation. This calculator automatically inflates your required monthly expenses year-by-year so your FIRE target accurately reflects your future cost of living.

Frequently Asked Questions

What is a good Safe Withdrawal Rate for India?

While 4% is the global standard (based on US markets), many financial advisors in India recommend a more conservative Safe Withdrawal Rate of 3% or 3.5% due to higher domestic inflation rates and market volatility.

Does this calculator account for post-retirement taxes?

No, this is a gross estimation. Since taxes depend on the specific instruments you withdraw from (Equity LTCG, Debt taxation, etc.), it is recommended to add a 10-15% buffer to your monthly expenses to cover future taxes.

What happens if the calculator says it is not possible?

If the calculator projects that you won't reach FIRE before age 80, you have three levers to pull: 1) Increase your monthly investments, 2) Reduce your estimated post-retirement monthly expenses, or 3) Optimize your portfolio to target a higher expected return.