🚀 Advanced
FIRE Calculator
Calculate your Financial Independence, Retire Early (FIRE) number. Find out how much corpus you need to retire and when you will reach financial independence based on your current savings rate.
FIRE Planning Details
₹5K₹5L
1860
₹1K₹5L
₹0₹1 Cr
1%25%
1%15%
Your FIRE Number
₹--
corpus needed to retire
FIRE Age--
Years to FIRE--
Monthly Expenses at FIRE--
Safe Withdrawal (4% rule)--
Savings Rate--
Corpus Growth to FIRE
FIRE Formula (4% Rule)
FIRE Number = Annual Expenses × 25
(Based on 4% safe withdrawal rate)
Inflation-adjusted FIRE Number = Annual Expenses × (1+i)n × 25
Years to FIRE: solved numerically using SIP + existing corpus growth
(Based on 4% safe withdrawal rate)
Inflation-adjusted FIRE Number = Annual Expenses × (1+i)n × 25
Years to FIRE: solved numerically using SIP + existing corpus growth
The 4% rule (Trinity Study) states you can withdraw 4% of your corpus annually without running out of money for 30 years. In India, with higher inflation, many advisors use 3-3.5% withdrawal rate (corpus = expenses × 28-33).
Frequently Asked Questions
Your FIRE number is the corpus (savings + investments) needed to retire and live off returns forever. Using the 4% rule: FIRE Number = Annual Expenses × 25. If you spend ₹80,000/month (₹9.6L/year), you need ₹2.4 crore.
Research (Trinity Study) shows that withdrawing 4% of your portfolio annually has historically not depleted a 60/40 portfolio over 30 years. In India, given higher inflation, a 3-3.5% rate (25-33x expenses) is more conservative.
(1) Increase savings rate — the single biggest lever. (2) Reduce expenses — lowers FIRE number AND increases savings. (3) Maximize investment returns through equity exposure. (4) Have additional income sources (rent, business) that reduce withdrawal need.