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FIRE Calculator

Calculate your path to Financial Independence and Retire Early. Find your FIRE number and timeline.

Your Financial Details

30 years
₹
₹
₹
8%
3%
4%

Your FIRE Number

₹1.50 Cr

This is the amount you need to achieve financial independence based on your annual expenses and withdrawal rate.

Your FIRE Timeline

Years to FIRE

16 years

FIRE Age

46 years old

Monthly Savings

₹50,000

Savings Rate

50.0%

Progress to FIRE

Current Savings₹5.00 L
FIRE Goal₹1.50 Cr

3.3% complete

FIRE Formula

FIRE Number = Annual Expenses / Safe Withdrawal Rate
  • FIRE Number: Total amount needed to retire early
  • Annual Expenses: Your yearly living costs
  • Safe Withdrawal Rate: Typically 4% (based on the Trinity Study)

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Learn About FIRE

What is FIRE?

FIRE stands for Financial Independence, Retire Early. It's a lifestyle movement focused on extreme savings and investment to achieve financial independence and retire much earlier than traditional retirement age. The core principle is to save aggressively (often 50-70% of income) and invest wisely to build a portfolio that can sustain your living expenses indefinitely.

Types of FIRE

Lean FIRE

Minimalist lifestyle with lower expenses

Fat FIRE

Retire with a more luxurious lifestyle

Barista FIRE

Part-time work to cover some expenses

Coast FIRE

Stop saving, let investments grow

The 4% Rule

The 4% rule, derived from the Trinity Study, suggests that you can safely withdraw 4% of your investment portfolio annually without running out of money for at least 30 years. This means your FIRE number is approximately 25 times your annual expenses. However, this rule has limitations and should be adjusted based on your specific situation, market conditions, and risk tolerance.