Retirement
FIRE Calculator
Financial independence: the number, the date, and the progress.
Your figures
FIRE number
₹3,42,85,714
- Projected age of independence
- 58
- Progress
- 5.83%
- Coast FIRE number
- ₹1,88,31,752
- Lean FIRE (70% of expenses)
- ₹2,40,00,000
- Fat FIRE (150% of expenses)
- ₹5,14,28,571
Invest this much once and, with no further contributions, it reaches the FIRE number by your target age.
- Reaching independence by 45 would need roughly 11,61,436 more saved each year.
How this is calculated
FIRE number = annual expenses ÷ safe withdrawal rate. Progress compounds at the real return: (1 + r) ÷ (1 + inflation) − 1.
Financial independence is reached when invested assets can fund your spending indefinitely. This projects in real terms — returns net of inflation — so the target stays in today’s money and the date is honest.
Assumptions used
- Safe withdrawal rate3.50%
- General inflation6%
- Equity — long term12%
- The safe withdrawal rate is a planning convention, not a guarantee. Lower rates buy resilience against poor early returns.
- Taxes on withdrawals and healthcare costs in early retirement are not modelled.
Any figure you enter overrides the assumption above for your calculation.
Educational calculation, not personal advice
This calculator is provided for education and illustration. It applies the assumptions shown to the figures you entered; it does not take account of your circumstances, goals, tax position or risk tolerance, and it is not a personal recommendation. Projections are not forecasts, and no return is guaranteed. Investment values can fall as well as rise. Speak to a qualified adviser before acting on anything here.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
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