FIRE Calculator
What is Financial Independence, Retire Early (FIRE)?
FIRE (Financial Independence, Retire Early) means saving and investing aggressively enough that your investments, not your salary, can cover your living expenses. Reaching financial independence gives you the choice to keep working or not; for many people that choice leads to early retirement years, even decades, before the usual retirement age. This calculator works out your FIRE number (the corpus you need) and estimates how many years away you are, based on your age, expenses, savings, monthly investments, expected returns, inflation, and a safe withdrawal rate.
Target corpus (FIRE number)
4% SWR₹14.47 Crores
₹14,46,70,378
27 years (around age 57)
Projected corpus at FI
₹14.7 Crores
₹14,69,62,913
Annual expenses at FI
₹57.87 Lakhs
₹57,86,815
| Year | Invested | Split | Returns | Corpus |
|---|---|---|---|---|
| 1 | ₹16,00,000 | ₹1,67,291 | ₹17,67,291 | |
| 2 | ₹22,00,000 | ₹4,31,895 | ₹26,31,895 | |
| 3 | ₹28,00,000 | ₹8,06,151 | ₹36,06,151 | |
| 4 | ₹34,00,000 | ₹13,03,968 | ₹47,03,968 | |
| 5 | ₹40,00,000 | ₹19,41,015 | ₹59,41,015 | |
| 6 | ₹46,00,000 | ₹27,34,951 | ₹73,34,951 | |
| 7 | ₹52,00,000 | ₹37,05,673 | ₹89,05,673 | |
| 8 | ₹58,00,000 | ₹48,75,601 | ₹1,06,75,601 | |
| 9 | ₹64,00,000 | ₹62,70,001 | ₹1,26,70,001 | |
| 10 | ₹70,00,000 | ₹79,17,341 | ₹1,49,17,341 | |
| 11 | ₹76,00,000 | ₹98,49,699 | ₹1,74,49,699 | |
| 12 | ₹82,00,000 | ₹1,21,03,224 | ₹2,03,03,224 | |
| 13 | ₹88,00,000 | ₹1,47,18,648 | ₹2,35,18,648 | |
| 14 | ₹94,00,000 | ₹1,77,41,867 | ₹2,71,41,867 | |
| 15 | ₹1,00,00,000 | ₹2,12,24,602 | ₹3,12,24,602 | |
| 16 | ₹1,06,00,000 | ₹2,52,25,129 | ₹3,58,25,129 | |
| 17 | ₹1,12,00,000 | ₹2,98,09,119 | ₹4,10,09,119 | |
| 18 | ₹1,18,00,000 | ₹3,50,50,568 | ₹4,68,50,568 | |
| 19 | ₹1,24,00,000 | ₹4,10,32,859 | ₹5,34,32,859 | |
| 20 | ₹1,30,00,000 | ₹4,78,49,950 | ₹6,08,49,950 | |
| 21 | ₹1,36,00,000 | ₹5,56,07,713 | ₹6,92,07,713 | |
| 22 | ₹1,42,00,000 | ₹6,44,25,449 | ₹7,86,25,449 | |
| 23 | ₹1,48,00,000 | ₹7,44,37,591 | ₹8,92,37,591 | |
| 24 | ₹1,54,00,000 | ₹8,57,95,617 | ₹10,11,95,617 | |
| 25 | ₹1,60,00,000 | ₹9,86,70,221 | ₹11,46,70,221 | |
| 26 | ₹1,66,00,000 | ₹11,32,53,742 | ₹12,98,53,742 | |
| 27 | ₹1,72,00,000 | ₹12,97,62,913 | ₹14,69,62,913 |
Frequently asked questions
Retirement Calculator
Estimate the corpus you will need to retire comfortably in India.
NPS Calculator
Project your National Pension System corpus and expected pension.
APY Calculator
Find your monthly contribution and projected corpus under Atal Pension Yojana.
Annuity Payout Calculator
Find the fixed monthly payout that fully draws down your retirement corpus.
This calculator assumes you're 30 years old with current annual expenses of ₹12,00,000, existing investment savings of ₹10,00,000, and a monthly investment of ₹50,000 growing at 12% p.a. Your FIRE number is your annual expenses, inflation-adjusted at 6% p.a. to the year you reach financial independence, divided by a safe withdrawal rate of 4% (a 25x expense multiple). At this rate, you're projected to reach financial independence in 27 years, around age 57. If you're planning around a standard retirement age instead of early retirement, also see the Retirement Calculator.