Calculator
FIRE Calculator
Find your Financial Independence number and see how many years it takes to Retire Early. Plan your path to freedom from mandatory work.
FIRE Number
₹1.50 Cr
25x your annual expenses
Years to FIRE
14.8 years
At current savings rate of ₹25,000/mo
Monthly SIP to FIRE in 15 Years
₹24,024
At 12% annual return
FIRE Progress
3% achieved
What is FIRE?
FIRE (Financial Independence, Retire Early) is a movement focused on aggressive saving and investing so you can retire much earlier than traditional retirement age. The goal is to build a corpus large enough that its returns cover your living expenses forever.
The 25x Rule
Your FIRE number is 25 times your annual expenses. This is based on the 4% safe withdrawal rate - if you withdraw 4% of your corpus each year, it should last indefinitely. For example, if you spend ₹50,000/month, your FIRE number is ₹1.5 Crore.
FIRE in the Indian Context
- Account for inflation - Indian expenses grow 6-7% yearly
- Healthcare costs can spike post-retirement - factor in health insurance
- Consider a 3% withdrawal rate (33x expenses) for extra safety margin
- NPS, PPF, and ELSS are tax-efficient vehicles to build your FIRE corpus