₹Calculator Suite

How it works

FIRE corpus = annual expenses ÷ (withdrawal rate ÷ 100). Inflation-adjusted target uses future annual expenses at retirement. Years to FIRE via monthly compounding simulation; required SIP closes the gap after FV of current savings.

Example

₹6,00,000 annual expenses at a 4% safe withdrawal rate → FIRE number ≈ ₹1.5 crore (before inflation adjustment).

Frequently asked questions

What is FIRE?
FIRE (Financial Independence, Retire Early) means building enough invested wealth that your living costs can be covered from withdrawals, so work becomes optional.
How much money is needed for FIRE in India?
It depends on your annual expenses and withdrawal rate. This calculator uses your expense inputs and the 4% rule (or a rate you choose) — there is no single number for everyone.
What is the 4% rule?
A planning heuristic: withdraw about 4% of your portfolio in year one, then adjust for inflation. It implies holding roughly 25× your annual expenses. Returns and longevity risk vary.
Can Indians retire early?
Yes, in principle — with disciplined saving, realistic return assumptions, health insurance, and tax-aware investing. This tool is illustrative; verify with a financial planner.

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Results are indicative only and not financial, tax, or medical advice. Verify important decisions with qualified professionals or official sources.