FIRE calculator

Your financial independence number and date.

Financially independent at age

in 21 years

Your FI number today: ₹1,71,42,857
FI number when you get there: ₹5,82,78,233
Lean FIRE (0.7× expenses): ₹1,20,00,000
Fat FIRE (1.5× expenses): ₹2,57,14,286

Your FI number is annual expenses divided by the withdrawal rate: ₹6,00,000 ÷ 3.5%. It rises with inflation every year, so the target moves while you chase it. Savings rate matters more than returns in getting there.

Your corpus vs the FI number

CorpusFI number

What this calculates

FIRE stands for Financial Independence, Retire Early. Your FI number is the corpus at which a safe yearly withdrawal covers your expenses; this calculator estimates when you reach it.

How it's calculated

FI number = Annual expenses ÷ Safe withdrawal rate

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

The 4% rule comes from US data. Higher inflation in India argues for a more conservative 3–3.5% over long retirements.

Lean FIRE funds a frugal lifestyle; Fat FIRE a comfortable one. They simply scale the expense assumption.

FIRE calculator

What this calculates

How it's calculated

Questions about this tool

Why 3.5% and not 4%?

What are Lean and Fat FIRE?

FIRE calculator

What this calculates

How it's calculated

Questions about this tool

Why 3.5% and not 4%?

What are Lean and Fat FIRE?