FIRE Calculator India

Calculate your Financial Independence Retire Early number. Find out how much corpus you need and how many years it will take to achieve financial freedom.

Your Financial Details

₹
10K5L

All your monthly living expenses (rent, food, utilities, etc.)

yrs
18yrs55yrs
₹
05Cr

Total current investment portfolio value

₹
05L

Amount you will invest every month this year

%
0%30%

Percentage by which you'll increase your investment each year

%
6%20%

Equity mutual funds historically 12-15% CAGR in India

%
3%12%

India CPI inflation averages 5-7% annually

Frequently Asked Questions

The 4% rule is a rule of thumb used to determine a safe withdrawal rate for retirement. It suggests you can withdraw 4% of your initial portfolio balance each year, adjusted for inflation, without running out of money. To support this, you need a portfolio that is 25 times your annual expenses (100 / 4 = 25).
The 50x rule is a much more conservative approach (a 2% safe withdrawal rate). This provides a huge margin of safety for early retirees in countries like India where inflation can be unpredictable, or for those aiming for "Fat FIRE" — a lifestyle with significantly higher expenses and luxury in retirement.
As your income grows over the years, you should increase your monthly investments. An annual step-up of 10% means if you invest ₹50,000/month this year, you will invest ₹55,000/month next year. This drastically reduces the time it takes to reach your FIRE number.