FIRE Calculator
Compute your FIRE number using the 4 percent rule and project your corpus growth in India. Free, inflation aware FIRE calculator with retirement age planning.
Calculate your result
Enter your numbers. Your estimate and charts update as you make changes.
You
Investments
What your numbers mean
Short by ₹1.4Cr at age 50.
Adding roughly ₹15,363 to your monthly contribution closes most of the gap.
Real return assumed: 5.7% per year (after 6.0% inflation).
FIRE math is most sensitive to this number — small changes compound over decades.
- FIRE number
- ₹6,92,06,103
- ₹6.92Cr
- Projected corpus at retirement
- ₹5,52,06,846
- ₹5.52Cr
- Shortfall
- ₹1,39,99,257
- -20.2%
Corpus growth vs FIRE target
Projected corpus at retirement compared with FIRE number. Amounts in rupees.
View chart data
| Years from now | FIRE number | Projected corpus at retirement |
|---|---|---|
| 0 | ₹2,15,78,790 | ₹10,00,000 |
| 1 | ₹2,28,73,518 | ₹17,52,325 |
| 2 | ₹2,42,45,929 | ₹25,94,929 |
| 3 | ₹2,57,00,684 | ₹35,38,645 |
| 4 | ₹2,72,42,725 | ₹45,95,607 |
| 5 | ₹2,88,77,289 | ₹57,79,405 |
| 6 | ₹3,06,09,926 | ₹71,05,259 |
| 7 | ₹3,24,46,522 | ₹85,90,215 |
| 8 | ₹3,43,93,313 | ₹1,02,53,365 |
| 9 | ₹3,64,56,912 | ₹1,21,16,094 |
| 10 | ₹3,86,44,327 | ₹1,42,02,350 |
| 11 | ₹4,09,62,986 | ₹1,65,38,957 |
| 12 | ₹4,34,20,765 | ₹1,91,55,957 |
| 13 | ₹4,60,26,011 | ₹2,20,86,997 |
| 14 | ₹4,87,87,572 | ₹2,53,69,761 |
| 15 | ₹5,17,14,826 | ₹2,90,46,457 |
| 16 | ₹5,48,17,716 | ₹3,31,64,357 |
| 17 | ₹5,81,06,779 | ₹3,77,76,405 |
| 18 | ₹6,15,93,186 | ₹4,29,41,898 |
| 19 | ₹6,52,88,777 | ₹4,87,27,251 |
| 20 | ₹6,92,06,103 | ₹5,52,06,846 |
The target is the larger of the withdrawal-rule corpus and a finite retirement annuity, funding inflation-adjusted annual spending from retirement's start. Pre-retirement growth uses effective annual returns and fixed month-end contributions. Tax, fees, pensions and sequence-of-returns risk are excluded.
Understand your calculation
FIRE means Financial Independence Retire Early. A withdrawal multiplier such as 25 times annual spending is a planning heuristic, not a guarantee of perpetual income. This calculator compares that rule-based target with the present value of inflation-adjusted spending over your retirement horizon and uses the larger figure. It then projects your existing investments and fixed monthly contributions to your chosen retirement age.
How to use the FIRE Calculator
- 1
Enter your current age and target retirement age
Age 30 to retirement at 50 leaves 20 years to build the corpus.
- 2
Enter your current monthly expenses
Include housing, food, utilities, transport, insurance, school fees and discretionary spending in today's rupees.
- 3
Enter current investments and monthly contribution
Enter accessible equity, fund, PPF, EPF, NPS and FD balances, plus your fixed monthly investment.
- 4
Set the return and inflation assumptions
Match returns to your asset mix: 11–12% before retirement and 7–8% after are scenarios, not forecasts. Defaults are 12%, 7% and 6% inflation.
- 5
Read the projection
Compare projected corpus with the target. A shortfall means saving more, retiring later or spending less; a surplus does not infer an earlier retirement date.
Worked example
Retire at 50 on ₹60,000 a month of today's spending
Age 30, retire at 50, plan to 85. ₹10,00,000 invested today plus ₹50,000 a month; 12% before retirement, 7% after, 6% inflation, 25× rule. Annual spending of ₹7,20,000 inflates to ₹7,20,000 × 1.06^20 = ₹23,09,138 at 50. Real return after retiring is 1.07 ÷ 1.06 − 1 ≈ 0.943%, and funding 35 years of spending at that rate needs about 29.97 years' worth, which beats the 25× rule. So the target is ₹23,09,138 × 29.97 (unrounded) = ₹6,92,06,103. On the investing side, the ₹10 lakh grows to ₹96,46,293 and the monthly contributions to ₹4,55,60,553.
- Annual spending at 50
- ₹23,09,138
- FIRE number (29.97×)
- ₹6,92,06,103
- Projected corpus at 50
- ₹5,52,06,846
- Shortfall
- ₹1,39,99,257
With a 7% return barely ahead of 6% inflation, the 25× rule understates what a 35-year retirement needs. Closing the gap means investing more, retiring later or trimming spending.
How it's calculated
The target starts with today's annual spending (monthly × 12) inflated to retirement: E = annual spending × (1 + inflation)^years to retirement. The real post-retirement return is g = (1 + post-retirement return) ÷ (1 + inflation) − 1. The cost of funding spending at the start of each retirement year until life expectancy is an annuity due: A = (1 + g) × (1 − (1 + g)^−N) ÷ g years of spending, where N = life expectancy − retirement age (just N when g is zero). The FIRE number is E × max(withdrawal multiplier, A).
The projection runs monthly from your current investments: balance = balance × (1 + m) + monthly contribution, where m = (1 + pre-retirement return)^(1/12) − 1. This leg isn't the site's SIP convention: contributions are added at the end of each month, after that month's growth, and the annual return is converted to an equivalent monthly rate. The SIP calculator instead uses annual rate ÷ 12 with start-of-month instalments, so the same inputs there give a somewhat higher figure.
Shortfall or surplus is projected corpus minus the FIRE number. Contributions stay flat in rupees, returns and inflation are constant, and tax, fees and pensions aren't modelled.
Assumptions and exclusions
- Pre-retirement duration is rounded to the nearest month. Contributions stay fixed in nominal rupees; returns and inflation remain constant.
- Retirement spending is budgeted at the start of each year, with inflation applied thereafter. The deterministic annuity excludes tax, fees, pensions, market volatility and sequence-of-returns risk.
- A withdrawal multiplier is a heuristic, not a promise of sustainable income. Locked investments should be counted only if accessible for retirement spending.
Frequently asked questions
What is the 4 percent rule?
The 4 percent rule is a planning heuristic based on research into historical US portfolio withdrawal rates. The implied corpus is 25 times annual expenses. It is not a guarantee, and Indian conditions such as longer retirement, healthcare inflation and product choice can justify a more conservative version.
Should I use 25 times or 33 times annual expenses for India?
Twenty five times (4 percent) is the classic rule. Thirty three times (3 percent) builds in a margin of safety, which can make sense for a long retirement, high healthcare inflation or a lower-risk portfolio.
Should I include PF and PPF in my FIRE corpus?
Count EPF and PPF only if withdrawal rules make them accessible by retirement. PPF normally has a 15-year term; EPF access depends on eligibility and withdrawal purpose. Keep inaccessible balances separate and avoid double counting.
What return should I assume for the pre retirement years?
Use an assumption that matches your asset allocation and risk tolerance. Equity-heavy portfolios may use higher planning assumptions than debt-heavy portfolios, but the calculator does not predict market returns.
How do I deal with healthcare and lifestyle inflation in retirement?
Test higher inflation, such as 7% rather than 6%, if your costs may outpace CPI. Maintain health insurance and an emergency reserve for large medical bills outside regular spending.
What if I am behind on FIRE and cannot retire at my target age?
Save more, earn more, spend less or work longer. A 40–50% savings rate is one scenario, not a requirement. Extra working years both grow investments and shorten retirement.
Is FIRE realistic in India?
It can be, but it needs a high savings rate sustained over many years, disciplined long-term investing, and expenses that stay moderate as income grows. Run your own numbers here: the savings rate that works depends on your spending, starting corpus and how early you begin.