Goals · FIRE

FIRE Calculator

Financial Independence, Retire Early. Find your FIRE number — the corpus that lets your investments pay your expenses forever.

The 4% Rule

A corpus is considered "FIRE-ready" when a 4% annual withdrawal covers all your expenses — leaving the rest to keep growing. This means your FIRE number is roughly 25× your annual expenses (at 4% withdrawal).

Current age30 yrs

2055

Target FIRE age45 yrs

3165

Monthly expenses (today)₹75.0K

₹20K₹5L

Current savings / investments₹5.00 L

₹0₹1 Cr

Monthly savings (SIP)₹30.0K

₹0₹3L

Expected investment return12% p.a.

6%18%

Inflation rate6% p.a.

3%10%

Safe withdrawal rate4%

2%6%

Note: The 4% rule originated from the Trinity Study (US). For India, many advisors recommend 3–3.5% given higher inflation. Adjust the withdrawal rate slider accordingly.

Your FIRE number

15 yrs to go

₹5.39 Cr

corpus needed at age 45 · covers ₹21.57 L/yr expenses

Projected corpus at target age

₹1.79 Cr

FIRE corpus needed

₹5.39 Cr

Shortfall

₹3.60 Cr

To hit FIRE on time

Monthly SIP needed

₹1.01 L

Monthly passive income at FIRE

₹59.6K

Plan my FIRE journey →