FIRE Calculator

Calculate your FIRE number and timeline to financial independence. Based on savings rate, current expenses, and expected returns. India-specific FIRE calculator.

FIRE Calculator

Find your FIRE number and timeline to financial independence

Current age 28 yrs
yrs
Monthly expenses Rs 50,000
Rs
Monthly income Rs 1,00,000
Rs
Current savings / investments Rs 10,00,000
Rs
Expected return 12%
%
Withdrawal rate 3.5%
%
FIRE number
---
corpus needed
Years to FIRE
---
at age --
Savings rate
---
of monthly income
Monthly savings---
FIRE number---
Current corpus---
FIRE age---

Estimates only. Returns are not guaranteed. Consult a financial advisor before making retirement decisions.

Portfolio growth to FIRE
💡
ThriftRupee Insight

FIRE in India is harder than in the West because of higher inflation (6-7% vs 2-3%) and limited social security. The Indian FIRE number is typically 30-33x annual expenses rather than 25x. The biggest lever is your savings rate -- at 50% savings rate, you reach FIRE in about 17 years regardless of income. At 70%, it drops to 8.5 years. Cut expenses aggressively early; compound interest does the rest.

FIRE Calculator — Financial Independence, Retire Early

Calculate your FIRE number (the corpus needed to retire early) and how many years it will take at your current savings rate. Adjust withdrawal rate for a conservative Indian FIRE plan.

Frequently asked questions

What is the FIRE number?▼
Your FIRE number is the corpus you need to retire early and live off investment returns permanently. Formula: Annual expenses x 25 (or 30-33 for India). If you spend Rs 6 lakh/year, your FIRE number is Rs 1.5-2 crore. Once reached, you can withdraw 3-4% annually and your corpus continues growing.
What savings rate do I need for FIRE?▼
The higher your savings rate, the faster you reach FIRE. At 20% savings rate, FIRE takes ~37 years. At 50%, ~17 years. At 70%, ~8.5 years. Savings rate, not income, is the primary driver of FIRE timeline. A person saving Rs 30,000/month from Rs 50,000 income reaches FIRE faster than someone saving Rs 30,000/month from Rs 1 lakh income.
What are the types of FIRE?▼
Lean FIRE: Retire on minimal expenses (Rs 20,000-30,000/month). Fat FIRE: Retire on comfortable expenses (Rs 1 lakh+/month). Barista FIRE: Semi-retire with part-time income covering basic expenses. Coast FIRE: Stop contributing and let existing savings compound to full FIRE number. Choose based on your lifestyle and risk tolerance.

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