Retirement

Link copied!

FIRE Calculator

Find out the age you can reach Financial Independence, Retire Early, based on your expenses, savings, and investments. Adjust any input below and your results update instantly.

Your details

Adjust the inputs below and your results update instantly.

Current age*

Your age today. This is the starting point for every projection below.

1860

e.g. 30 years old

Monthly expenses (₹)*

What you spend per month today, in today's rupees: rent, food, bills, everything. We inflate this forward to estimate your future cost of living.

₹10K₹4L

e.g. ₹60,000/mo for a two-person household in a metro city

Current savings (₹)*

≈ ₹15.00 L

The total value of investments you already hold (mutual funds, stocks, PF, FDs) that will keep growing toward your goal.

₹0₹10Cr

e.g. ₹15,00,000 across EPF, mutual funds and FDs

Monthly SIP (₹)*

How much you invest every month from here on. This is usually the input with the biggest effect on how soon you reach FIRE.

₹0₹2L

e.g. ₹15,000/mo split across index funds

Expected return (%)*

The annual return you expect on your investments before retirement. Equity-heavy portfolios in India are often modelled at 10-12%.

4%18%

e.g. 12% for a mostly-equity portfolio

Target retirement age (optional)

A specific age you have in mind for retiring, so you can see whether your plan is on track for that date, independent of the earliest FIRE age we calculate.

3075

e.g. 55, if that's your personal goal

Expense change at retirement (%)

Many people spend less once retired (no commute, no EMI, kids independent) while others spend more on healthcare or travel. Adjust if your lifestyle will meaningfully change.

-50%+50%

e.g. -15% for a leaner retirement lifestyle

Inflation (%)

How fast you expect your expenses to rise each year. India's long-run average is roughly 5-6%.

2%10%

e.g. 6% long-term average

Safe withdrawal rate (%)

The % of your corpus you withdraw each year in retirement. Lower = safer, but needs a bigger corpus. 4% is the classic FIRE rule of thumb; 3-3.5% is more conservative.

2.5%6%

e.g. 4%, the "4% rule"

How these compare

vs. typical India long-term ranges

Expected return: 12%

India long-term equity avg: 10–12%

Typical

Inflation: 6%

India's long-run average: 5–6%

Typical

Withdrawal rate: 4%

Common FIRE range: 3–4%

Typical

These are example numbers. Edit any input on the left to see your own.

You can reach FIRE at age

29 years from now

Corpus required

₹8.29 Cr

Projected corpus

₹8.69 Cr

Portfolio vs. corpus needed

Projected portfolioCorpus required

Year-by-year breakdown

"Goal met" means your portfolio has reached the corpus you'd need if you retired that year; "Building" means it's still catching up.

AgePortfolio valueCorpus requiredStatus

30₹15.00 L₹1.53 Cr

Building

10% of goal

34₹32.88 L₹1.93 Cr

Building

17% of goal

38₹61.37 L₹2.44 Cr

Building

25% of goal

42₹1.07 Cr₹3.08 Cr

Building

35% of goal

46₹1.79 Cr₹3.89 Cr

Building

46% of goal

50₹2.95 Cr₹4.91 Cr

Building

60% of goal

54₹4.79 Cr₹6.19 Cr

Building

77% of goal

58₹7.72 Cr₹7.82 Cr

Building

99% of goal

Compare scenarios

See how small changes move your FIRE age.

Your plan

₹15,000/mo · 12%

FIRE age

Baseline

SIP +20%

₹18,000/mo · 12%

FIRE age

2 yrs sooner

Return +2%

₹15,000/mo · 14%

FIRE age

6 yrs sooner

Worked example, using your numbers

A step-by-step walkthrough of how your inputs become your FIRE age.

Step 1 · Expenses

₹60,000/mo today, inflated at 6%/yr to age 59, grows to

₹2.76 L/mo

Step 2 · Corpus needed

That expense, annualised ÷ your 4% safe withdrawal rate, means you need

₹8.29 Cr

Step 3 · Your portfolio

₹15,00,000 today + ₹15,000/mo at 12%, projects to

₹8.69 Cr

✓

Your projected corpus meets your required corpus at age 59, that's your FIRE age.

Personalised insights

What your numbers reveal, and what moving them would do.

Your savings cover 8% of the corpus you'd need today

₹15.00 L against a ₹1.80 Cr corpus if you retired at your current age.

+20% SIP gets you there 2 years sooner

Raising your monthly SIP to ₹18,000 moves your FIRE age to 57.

+1% inflation pushes FIRE back 5 years

At 7% inflation instead of 6%, your FIRE age becomes 64.

18% short of your goal at age 55

Projected ₹5.40 Cr vs. ₹6.57 Cr needed, so increase your SIP or push the date out.

How this is calculated

Every step of the math behind your result, shown in the open.

Projecting your future cost of living

i = inflation, n = years to FIRE, Δ = expense change at retirement

Your monthly expenses today are grown forward by inflation (i) for n years, then adjusted for how spending will change (Δ) once you retire.

Example: ₹60,000/mo today → ₹2.76 L/mo at age 59

Sizing the corpus you need

SWR = safe withdrawal rate

Your future monthly expense is annualised, then divided by your safe withdrawal rate (SWR), the % you can draw down each year without depleting your corpus.

Example: ₹33.16 L/yr ÷ 4% SWR = ₹8.29 Cr required

Projecting your portfolio

S = current savings, r = annual return, r_m = monthly return, n = years to FIRE

Your current savings (S) compound at your expected return (r), and your monthly SIP is added as a growing annuity at the monthly rate, together giving your projected portfolio.

Example: ₹15,00,000 + ₹15,000/mo at 12% → ₹8.69 Cr projected

Assumptions

Returns and inflation compound annually; SIP compounds monthly.
Safe withdrawal rate (SWR) determines how large a corpus must be to sustain expenses indefinitely.
Figures are indicative and pre-tax, not financial advice.

Understanding FIRE

The concept, the motivation, and what to watch out for.

What is FIRE?

FIRE (Financial Independence, Retire Early) is the point where your investments generate enough income to cover your living expenses for good, so working becomes optional rather than necessary.

The goal is usually optionality, not the end of work altogether. Once your number is hit, you can change careers, work part-time, or take a break without your finances forcing the decision.

The 3 levers that move your number

Your savings rate matters most, followed by your safe withdrawal rate, then expected returns. Try the sliders below to feel the difference.

What this number won't capture

Markets don't return the same amount every year, and healthcare costs can outpace general inflation. Treat your FIRE age as a moving target to revisit yearly.

The order of bad years matters more than the average

Two portfolios with the same average return can produce very different outcomes depending on whether the bad years happen early or late in retirement, a risk this single number doesn't capture.

Did you know?

A few facts behind the math and the FIRE movement.

The Rule of 72

Divide 72 by your expected return to estimate doubling time. At 12% a year, your money roughly doubles every 6 years.

Where the "4% rule" comes from

It traces back to the 1998 Trinity Study, which tested 30-year U.S. retirement portfolios against nearly a century of market history.

Why 1% matters so much

A 1% higher return, compounded over 30 years, can grow a corpus by roughly 30%, more than most salary raises ever will.

'92

FIRE is older than the internet

The concept was popularised by the 1992 book "Your Money or Your Life", decades before online FIRE communities took off in the 2010s.

Frequently asked questions

Straight answers to the questions we hear most about FIRE.

What does FIRE mean?

FIRE stands for Financial Independence, Retire Early: building a corpus large enough that its withdrawals cover your expenses indefinitely.

Is this the same as a FIRE number calculator or a FIRE retirement calculator?

Yes to all three. "FIRE calculator," "FIRE number calculator," and "FIRE retirement calculator" all refer to the same tool — your "FIRE number" is the required corpus this calculator solves for, alongside the age you can reach it and retire.

How is the required corpus calculated?

We inflate your current monthly expenses to your target age, then divide the annual figure by your chosen safe withdrawal rate (SWR).

What is a safe withdrawal rate?

The percentage of your corpus you can withdraw each year without running out of money, accounting for market returns and inflation. 3-4% is commonly used.

Is this financial advice?

No. This tool provides indicative estimates based on your assumptions. Consult a certified financial advisor before making decisions.

What if my expenses change a lot after retiring?

Use the "Expense change at retirement" input to model a leaner or costlier lifestyle. It adjusts your projected corpus requirement accordingly.

Does this account for taxes?

No, figures here are pre-tax and indicative. Actual withdrawals may be taxed depending on the instruments you hold and prevailing tax rules.