FIRE Calculator
Calculate your Financial Independence number and find out exactly when you can retire early — based on the 4% safe withdrawal rule.
12%
4%20%
6%
3%10%
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Frequently Asked Questions
What is FIRE?
FIRE stands for Financial Independence, Retire Early. The core idea is building a corpus large enough that returns from investments can sustain your lifestyle indefinitely without employment income.
What is the 4% rule?
The 4% rule (Trinity Study) states you can safely withdraw 4% of your corpus every year without running out of money for 30+ years. This means FIRE Number = Annual Expenses × 25. For example, if you need ₹10L/year, your target corpus is ₹2.5 crore.
How is inflation factored in?
This calculator adjusts your monthly expenses to the retirement date using the inflation rate you set. Your FIRE number is calculated on those inflation-adjusted expenses — giving you a realistic target that accounts for the rising cost of living.
What return rate should I assume for India?
Indian equity markets (Nifty 50) have historically delivered 12–14% CAGR over the long term. A balanced portfolio (70% equity, 30% debt) might return 10–12%. For conservative planning, use 10–11%.
What are the types of FIRE?
Lean FIRE: retire with a frugal lifestyle. Fat FIRE: retire with high expenses. Barista FIRE: semi-retire with part-time work. Coast FIRE: invest enough early that it grows to your FIRE number without adding more savings.