FIRE calculator
Find your Financial Independence number — the corpus that lets your investments fund your life — and how many years of investing it takes to get there.
FIRE inputs
Financial Independence, Retire Early
You’ll hit financial independence in 10.1 years — investing ₹50,000/month at 12%.
10.1 yrs
Time to FIRE
at current pace
₹6L
Annual need
today's money
₹1.5Cr
FIRE corpus
25× expenses
FIRE number
₹1,50,00,000
Buy back your time
When work becomes optional
FIRE reframes money as freedom. Once your corpus is large enough that a safe withdrawal covers your expenses, you’re financially independent. The maths is simple; the discipline of a high savings rate is the hard part.
- 1
Know your spend
Your annual expenses set the entire target — control them and FIRE comes closer.
- 2
Multiply by ~25
At a 4% withdrawal rate, 25× annual expenses is your FIRE number.
- 3
Invest aggressively
A high savings rate plus equity growth is the fastest route.
- 4
Reach independence
When the corpus is hit, your investments — not your salary — pay the bills.
Questions
Frequently asked
FIRE stands for Financial Independence, Retire Early. The idea is to build a corpus large enough that its returns (or safe withdrawals) cover your living expenses indefinitely, freeing you from needing a salary. Once your investments can fund your lifestyle, you’re financially independent — whether or not you actually stop working.
The classic rule is 25× your annual expenses, which corresponds to a 4% safe withdrawal rate (1 ÷ 0.04 = 25). So if you spend ₹6 lakh a year, your FIRE number is about ₹1.5 crore. Lower the withdrawal rate (say 3%) and the multiple rises to ~33×; raise it and it falls. Adjust the rate above to see the effect.
It’s a guideline from long-run market studies suggesting you can withdraw about 4% of your starting corpus each year (rising with inflation) with a low risk of running out over a 30-year retirement. Early retirees with longer horizons often use a more conservative 3–3.5%. It’s a planning rule, not a guarantee.
That depends on your savings rate and returns. The calculator grows your current corpus plus monthly investments at your expected return until it reaches your FIRE number, and reports the years. The single biggest lever is your savings rate — the more of your income you invest, the sooner you arrive.
For disciplined high savers, yes — but it requires a high savings rate, sensible equity exposure for growth, and honest inflation assumptions, since Indian inflation and lifestyle creep are real headwinds. Many pursue “Coast FIRE” or “Lean FIRE” variants. Use the calculator to see what savings rate makes it achievable for you.