FIRE Calculator
Calculate your Financial Independence Retire Early (FIRE) number. Estimate the corpus needed, monthly SIP required, and track your progress towards financial independence with inflation-adjusted expenses.
FIRE Number
₹3,59,48,373
Monthly SIP Required
₹66,479
Years to FIRE
15 Years
Inflation-Adjusted Expenses
₹14,37,935
Loading chart...
FIRE Journey: Corpus vs Target
Loading chart...
Year-by-Year FIRE Tracking
| Year | Age | Corpus | Target |
|---|---|---|---|
| 1 | 31 | ₹14,53,478 | ₹1,59,00,000 |
| 2 | 32 | ₹25,21,373 | ₹1,68,54,000 |
| 3 | 33 | ₹37,17,415 | ₹1,78,65,240 |
| 4 | 34 | ₹50,56,983 | ₹1,89,37,154 |
| 5 | 35 | ₹65,57,298 | ₹2,00,73,384 |
| 6 | 36 | ₹82,37,652 | ₹2,12,77,787 |
| 7 | 37 | ₹1,01,19,648 | ₹2,25,54,454 |
| 8 | 38 | ₹1,22,27,483 | ₹2,39,07,721 |
| 9 | 39 | ₹1,45,88,259 | ₹2,53,42,184 |
| 10 | 40 | ₹1,72,32,328 | ₹2,68,62,715 |
| 11 | 41 | ₹2,01,93,685 | ₹2,84,74,478 |
| 12 | 42 | ₹2,35,10,405 | ₹3,01,82,947 |
| 13 | 43 | ₹2,72,25,131 | ₹3,19,93,924 |
| 14 | 44 | ₹3,13,85,624 | ₹3,39,13,559 |
| 15 | 45 | ₹3,60,45,377 | ₹3,59,48,373 |
What is FIRE?
FIRE stands for Financial Independence, Retire Early. It is a movement focused on aggressive saving and investing to achieve financial freedom much earlier than the traditional retirement age. The core idea is to accumulate a corpus large enough that the passive income from it covers your living expenses indefinitely.
The 25x Rule and 4% Withdrawal Rate
The FIRE number is typically calculated as 25 times your annual expenses (which assumes a 4% safe withdrawal rate). This means if you withdraw 4% of your corpus annually, your money should last for 30+ years. In the Indian context, you may want to use a more conservative withdrawal rate of 3-3.5% due to higher inflation.
Reaching FIRE in India
- Start early - compounding works best with time on your side
- Save 50-70% of your income if aiming for early FIRE
- Invest in equity-heavy portfolios for long-term growth
- Factor in healthcare costs - no employer coverage post-retirement
- Consider barista FIRE or coast FIRE as intermediate milestones