FIRE Calculator
Find your FIRE number and the age you can become financially independent — with real inflation-adjusted returns, your own safe withdrawal rate, and Lean, Fat & Coast FIRE scenarios.
Your FIRE outlook
Calculating…
FI number
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Years to FI
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Age at FI
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Savings rate
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Path to financial independence
All figures are in today’s money (inflation-adjusted), so they reflect real purchasing power.
What builds your FI corpus
- Already invested₹0
- Future contributions₹0
- Investment growth₹0
- FI corpus₹0
Lean, Regular & Fat FIRE
Different target lifestyles and when you’d reach each. Your current plan is highlighted.
| Type | Monthly spend | FI number | Reached at |
|---|
Year-by-year projection
Your corpus in today’s money. The FI year is highlighted.
| Age | Invested | Corpus | % of FI |
|---|
Fine-tune the investing side
See how a step-up SIP builds the corpus that gets you here.
Invest steadily, let compounding do the heavy lifting, and cross your FI number — the point where your money funds your life and early retirement begins.
How to calculate your FIRE number
Financial independence arrives when your investments can safely cover your expenses forever. This FIRE calculator works out your FIRE number in four steps:
- Your FIRE number = annual expenses ÷ safe withdrawal rate (25× expenses at 4%).
- Your corpus grows at the real return — expected return minus inflation — so everything stays in today’s money.
- Each month your investment is added and the corpus compounds until it reaches your FI number.
- The year it crosses that line is your FIRE age.
Lean, Regular, Fat and Coast FIRE
Lean FIRE aims for a frugal lifestyle (a smaller corpus, reached sooner). Fat FIREtargets a comfortable, higher-spending retirement (a bigger corpus, reached later). Coast FIRE is a milestone along the way: the moment your existing investments are enough to grow into your full FI number by your normal retirement age, even if you stop investing entirely. After Coast FIRE you only need to cover your current expenses — your future is already funded.
Savings rate is the master lever
The share of your income you invest matters more than your exact return. Raising your savings rate cuts your expenses and grows your corpus at the same time, so it attacks the problem from both ends. Try nudging the monthly investment and expense sliders to see how even small changes can pull your FIRE age forward by years.
A word of caution
These projections assume steady returns and inflation, which real markets never deliver. Sequence-of-returns risk (a crash early in retirement) is a genuine danger for early retirees, which is why many Indian planners use a more conservative 3–3.5% withdrawal rate. Treat this as a planning guide, not financial advice.
Frequently asked questions
What is FIRE (Financial Independence, Retire Early)?
FIRE is a movement built around saving and investing aggressively so that your investments can cover your living expenses indefinitely — giving you the freedom to retire, or simply work by choice, decades before the traditional retirement age. The key milestone is your "FI number": the corpus at which the safe withdrawals from your portfolio equal your annual expenses.
How do I calculate my FIRE number?
Your FIRE number is your annual expenses divided by your safe withdrawal rate. At the commonly used 4% withdrawal rate, that works out to 25 times your annual expenses. So if you spend Rs 6,00,000 a year, your FIRE number is about Rs 1.5 crore in today’s money. Enter your monthly expenses above and this FIRE number calculator works it out instantly.
What is the 4% rule and does it apply in India?
The 4% rule comes from the US "Trinity Study", which found that withdrawing 4% of your starting portfolio (rising with inflation) had a very high chance of lasting 30 years. In India, where inflation and market behaviour differ, many planners prefer a more conservative 3–3.5% withdrawal rate for a long early retirement. This calculator lets you set your own rate so you can stress-test the assumption.
What is Coast FIRE?
Coast FIRE is the point where your existing investments are large enough that, even if you never invest another rupee, they will grow to your full FI number by your traditional retirement age. Once you hit Coast FIRE you only need to earn enough to cover current expenses — your retirement is already funded on autopilot.
Why does this calculator use real (inflation-adjusted) returns?
Because your future expenses will rise with inflation too. By growing your corpus at the real return (your expected return minus inflation) and expressing everything in today’s rupees, the number of years to FI stays meaningful — it tells you your purchasing power, not an inflated headline figure.
Is my savings rate really that important?
It is the single biggest lever. Your time to FIRE depends far more on the percentage of income you save than on your investment returns. Someone saving 50% of their take-home can reach financial independence in well under two decades, while a 10% savings rate can take 40+ years.