Calculate your Financial Independence number and the monthly SIP needed to retire early in India. Inflation-adjusted, India-specific FIRE calculator using the 4% rule.
4% withdrawal rate is the standard FIRE rule — your corpus should last 25+ years.
Enter your age, monthly expenses, and target retirement age to calculate your FIRE number.
HOW IT WORKS
Set your current age and the age at which you want to achieve financial independence. The gap defines your investment timeline.
Enter your current monthly expenses, inflation rate, expected investment return, and withdrawal rate. These determine your FIRE number.
See the exact corpus you need, monthly SIP to get there, and how much monthly passive income your FIRE corpus will generate.
FAQ
FIRE stands for Financial Independence, Retire Early. The idea is to save and invest aggressively (50-70% of income) to build a corpus large enough that investment returns cover all living expenses — allowing you to stop working by choice at any age, typically 35-50.
The 4% rule states that you can safely withdraw 4% of your corpus annually without depleting it over a 30+ year retirement. At 4%, your FIRE number = Annual Expenses × 25. At 3.5%, it = Annual Expenses × 28.6. Lower withdrawal rates give more safety margin.
The Nifty 50 has delivered ~12-13% CAGR over 20-year periods historically. Index funds and large-cap equity mutual funds have averaged 10-14% over long periods. For conservative planning, use 10-11%. For aggressive planning, 12-13%. Never assume more than 14% for financial planning.
Inflation is critical. At 6% inflation, ₹1 lakh today costs ₹1.79 lakh in 10 years and ₹3.2 lakh in 20 years. This means your FIRE number must be calculated on future expenses (inflation-adjusted), not today's expenses. The calculator does this automatically.
Lean FIRE targets a minimal lifestyle (₹30,000-₹50,000/month in India). Regular FIRE targets a comfortable lifestyle (₹75,000-₹1.5 lakh/month). Fat FIRE targets a wealthy lifestyle (₹2 lakh+/month). Your FIRE number scales proportionally with your target monthly expenses.
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