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Financial Independence, Retire Early

FIRE Calculator — Find Your Retire-Early Number

Enter your current age, target retirement age, annual expenses, expected investment return, and inflation rate to calculate your FIRE number — the corpus you need to retire — and the monthly SIP required to get there.

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Formula: FIRE Number = (Annual Expenses × (1+Inflation)ⁿ) ÷ SWR — where n = years to retirement.

🎯 Your FIRE Plan

Enter values and click Calculate
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Disclaimer: This calculator is provided for educational and informational purposes only. Results are estimations based on assumed constant returns and inflation, and do not constitute professional financial, investment, or retirement planning advice. Actual market returns fluctuate and past performance does not guarantee future results. Consult a SEBI-registered financial advisor before making retirement decisions.

How the FIRE Calculator Works

Step 1 — Inflate your expenses to retirement age: Your FIRE number must reflect what your lifestyle will cost in the future, not today.

Future Expenses = Current Expenses × (1 + Inflation)ⁿ

Step 2 — Apply the safe withdrawal rate: Divide future annual expenses by your chosen safe withdrawal rate (commonly 3-4%) to find the total corpus needed.

FIRE Number = Future Annual Expenses ÷ SWR

Where: n = years until retirement (Retirement Age − Current Age); SWR = Safe Withdrawal Rate as a decimal (4% = 0.04).

Step-by-Step Worked Example

You're 30 years old, want to retire at 45 (n = 15 years), spend ₹6,00,000/year today, expect 6% inflation, and plan to withdraw 4% annually in retirement.

  1. Step 1: Future expenses = 6,00,000 × (1.06)15 = 6,00,000 × 2.3966 = ₹14,37,935/year
  2. Step 2: FIRE Number = 14,37,935 ÷ 0.04 = ₹3,59,48,373 (~₹3.59 crore)
  3. Step 3: With ₹5,00,000 already invested growing at 12%, its future value = 5,00,000 × (1.12)15 ≈ ₹27,36,783
  4. Result: Remaining corpus needed ≈ ₹3.32 crore, requiring a monthly SIP of roughly ₹65,821 at 12% expected returns over 15 years.

How Retirement Age Changes Your Required SIP

Retire AtYears to SaveFIRE Number (approx.)Required Monthly SIP
4010 yrs₹2.69 crore~₹1,15,619
4515 yrs₹3.59 crore~₹65,821
5020 yrs₹4.81 crore~₹48,148
5525 yrs₹6.44 crore~₹33,925
6030 yrs₹8.62 crore~₹24,406

Illustrative figures based on ₹6L current annual expenses, 6% inflation, 12% expected returns, 4% SWR, no starting savings. Your actual numbers will differ.

Frequently Asked Questions

FIRE is a movement focused on aggressive saving and investing so you can cover living expenses from investment returns alone, well before traditional retirement age. Your "FIRE number" is the corpus needed to sustain your annual expenses indefinitely using a safe withdrawal rate.
The 4% rule, based on the Trinity Study, suggests you can withdraw 4% of your portfolio in year one of retirement (adjusted for inflation thereafter) with a low risk of running out of money over 30 years — implying a FIRE number of roughly 25x annual expenses. Some planners use a more conservative 3-3.5% for very early retirees.
Your FIRE number must be based on expenses at retirement, not today's expenses. This calculator inflates your current annual expenses forward to your retirement age before applying the safe withdrawal rate — skipping this step significantly underestimates the corpus you need.
A common conservative assumption is 10-12% nominal pre-retirement returns for a diversified equity-heavy portfolio in India, and 6-7% inflation. Post-retirement, many FIRE planners shift to lower-volatility allocations, which is why a 3-4% safe withdrawal rate (not the raw expected return) sizes the corpus.
FIRE requires a high savings rate (often 40-70% of income), which is easier at higher incomes or lower cost-of-living locations. Even without reaching full FIRE, the underlying habits — high savings rate, disciplined investing, expense awareness — meaningfully improve financial security either way.