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.
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.
Current Finances
Use your current monthly income/expenses to estimate savings rate and monthly savings.
Retirement Goals
Set what you want your lifestyle to cost at FI and when you want to retire.
We inflation-adjust this amount up to your target retirement age.
Investment Assumptions
These drive your FI target and how quickly your portfolio grows.
Fill in your inputs to see your FI target, projected growth, and FI age.
Minimum required: current age, target retirement age, and monthly expenses when FI. Income/expenses help compute savings rate and projection contributions.
DETAILS
This section explains what the calculator does, what goes into the result, and how to interpret the output so you can apply it confidently.
This calculator turns a few key inputs into a clear output you can act on — a number that traders and investors commonly use for planning and decision-making.
Use it to compare scenarios quickly and to understand the trade-offs behind the final result.
Treat the output as a planning number. Small changes in inputs (time, rate, price, quantity, risk, or cashflows) can change the outcome meaningfully — so keep assumptions realistic.
If the tool returns multiple outputs, focus on the ones that drive decisions (e.g., net result, breakeven, or risk-adjusted value), not just the biggest number.
Age 30 → FIRE at 45, Expenses ₹80,000/month, Inflation 6%, Return 12%, Withdrawal 4%, Current corpus ₹10,00,000
Graphical view
If monthly SIP looks high, reduce assumptions step-by-step (expenses, FIRE age, withdrawal rate) and compare scenarios.
Age 28 → FIRE at 50, Expenses ₹60,000/month, Inflation 6%, Return 12%, Withdrawal 4%, Current corpus ₹50,00,000
Here, compounding of the existing corpus already meets the FIRE number at the target age (given the chosen assumptions).
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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