FIRE Number Calculator (India): When Can You Retire?
Your FIRE number is the corpus you need to live off investments without working. This calculator uses your current expenses, savings rate, expected returns, and inflation to show how many years until you reach financial independence—and how much you'll need when you get there.
Calculator Inputs
Expenses & Savings
Your current monthly spending (we'll inflate this)
Total corpus you have today
Amount you invest every month
Results
Your FIRE Number
You could reach financial independence in 34 years with a corpus of ₹21.75 crore (inflation-adjusted).
Corpus vs Required Over Time
How your investments grow vs the inflation-adjusted corpus you need
Investment Corpus vs FIRE Target
What Is the FIRE Number?
It's the total corpus that, at a safe withdrawal rate (e.g. 4%), gives you enough annual income to cover your expenses. Rule of thumb: 25× your annual expenses at 4% SWR.
Safe Withdrawal Rate
The 4% rule is widely used; in India many prefer 3–3.5% for more safety. A lower SWR means you need a larger corpus but reduces the risk of running out of money in retirement.
Years to FIRE
We project your current savings and monthly investments forward and compare with the inflation-adjusted corpus you need. When they meet, you've reached financial independence.
Frequently Asked Questions
Methodology
How This FIRE Calculator Works
FIRE Number
Your FIRE number is the corpus needed to sustain your expenses using a safe withdrawal rate (SWR):
FIRE Number = Annual Expenses ÷ Safe Withdrawal Rate
For example, at 4% SWR you need 25× your annual expenses (₹12L/year → ₹3 crore).
Inflation Adjustment
Future expenses are projected using your assumed inflation rate: Future expenses (year n) = Current monthly expenses × 12 × (1 + inflation)^n
The corpus needed at retirement uses this inflated expense figure, so you target a higher number the longer your timeline.
Years to FIRE
We project each year:
- Corpus = Future value of current savings + future value of monthly SIP (both at your expected return).
- Required corpus = Inflation-adjusted annual expenses at that year ÷ SWR.
- When corpus ≥ required corpus, you have reached FIRE.
Safe Withdrawal Rate (SWR)
The 4% rule (Bengen study) suggests withdrawing 4% of your corpus annually. For India, many use 3–3.5% for more conservative planning. Lower SWR means you need a larger corpus but more safety.
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Disclaimer: This calculator is for educational purposes only and does not constitute financial advice. Results are based on assumptions and may not reflect actual outcomes. Consult a qualified financial advisor before making investment decisions.