FIRE Calculator India

Financial Independence, Retire Early — your personalised FIRE number

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Current Age28 yrs
FIRE Age45 yrs
Monthly Expense Today₹60,000
Current Corpus₹5,00,000
Monthly SIP₹30,000
Expected Annual Return12 %
Safe Withdrawal Rate3.5 %
Inflation6 %

Your FIRE Number

5.54 Cr

Shortfall

3.17 Cr

Bridge the gap: increase monthly SIP to 78.0 K/mo to hit FIRE by age 45.

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How this calculator works

FIRE — Financial Independence, Retire Early — is the movement of building enough wealth to live off investment returns indefinitely, without needing to work. It has become one of the most searched personal finance concepts in India, especially among salaried professionals in their late 20s and 30s. Your FIRE Number is the corpus you need. The calculation is: FIRE Number = Annual Expenses at Retirement ÷ Safe Withdrawal Rate The safe withdrawal rate (SWR) represents the percentage of your corpus you can withdraw annually without depleting it over a 30+ year period. Research suggests 3.5–4% for Indian portfolios given our higher inflation. Example: If you plan to spend ₹80,000/month (today's money) and retire in 15 years at 6% inflation, your inflated expense will be ~₹1.92 lakh/month. At a 3.5% SWR, your FIRE Number is approximately ₹6.6 Crore. This calculator also checks whether your current savings rate and corpus are on track to hit that number by your target retirement age, and tells you exactly how much more SIP you need if you're falling short. Lean FIRE vs. Fat FIRE: Lean FIRE means early retirement with a frugal lifestyle. Fat FIRE means retiring early with a comfortable, even luxurious, lifestyle. There is no right answer — only your own preference.

Frequently Asked Questions

What is the FIRE number in India?⌄

Your FIRE number is the corpus required to retire permanently, calculated as your annual expenses at retirement divided by your chosen safe withdrawal rate (typically 3–4%). For a middle-class Indian family spending ₹60,000/month today, the FIRE number in 20 years is approximately ₹5–7 Crore.

What is a realistic safe withdrawal rate for India?⌄

Most Indian FIRE practitioners use 3–3.5% due to India's higher inflation rate (5–7%). The US "4% rule" assumes lower inflation. At 3%, a ₹5 Crore corpus supports ₹15 lakh/year (₹1.25 lakh/month) indefinitely.

How much SIP do I need for FIRE at 45?⌄

It depends on your current age, corpus, and target lifestyle. As a rough guide: starting at 25 with ₹0 corpus and targeting ₹5 Crore at 45, you need approximately ₹55,000–70,000/month in SIP at 12% annual return.

Is FIRE achievable for salaried Indians?⌄

Yes, for dual-income households with 40–50% savings rates. The key variables are: starting age (earlier is far better), savings rate, and investment return. Equity mutual funds at 12% CAGR over 15–20 years make FIRE mathematically feasible for many Indian professionals.

What is the difference between FIRE and normal retirement planning?⌄

Normal retirement planning targets age 58–60. FIRE targets age 35–50. The key difference is the required corpus is larger (longer retirement period) and must be built faster (fewer working years). This means higher savings rates — typically 40–60% of income.