FIRE Calculator
Calculate your Financial Independence number and when you can retire early. Includes Coast FIRE, Lean FIRE and Fat FIRE targets.
yrs
yrs
yrs
₹
₹
₹
%
▸ Advanced assumptions
%
%
%
%
✓ You can retire at 45!
Financial Independence at age 45
Your FIRE Numbers
FIRE Number₹4,10,83,855
Coast FIRE₹75,05,867
Lean FIRE (70%)₹2,87,58,698
Fat FIRE (150%)₹6,16,25,782
At Retirement
Projected Corpus₹4,20,58,754
Monthly Expenses (inflated)₹1,19,828
Surplus₹9,74,899
Corpus Projection (Age 30 → 85)
▶How is this calculated?
FIRE Number = Annual Expenses at Retirement ÷ Safe Withdrawal Rate
Example: If you need ₹12L/year and use 3.5% withdrawal rate → FIRE number = ₹3.43 Cr
Coast FIRE = FIRE Number ÷ (1 + return rate) ^ years to retirement
Expenses are inflation-adjusted to retirement age. Post-retirement, the corpus earns returns while you withdraw expenses that continue to inflate.
Frequently Asked Questions
What is the FIRE movement?▼
FIRE (Financial Independence, Retire Early) is a lifestyle movement focused on extreme savings and investment to achieve financial independence much earlier than traditional retirement age. The goal is to build a corpus large enough that investment returns cover your living expenses indefinitely.
What is the 4% rule / safe withdrawal rate?▼
The 4% rule suggests you can withdraw 4% of your retirement corpus annually with low risk of running out over 30 years. For India, many advisors recommend a more conservative 3–3.5% given higher inflation and longer potential retirement periods.
What is Coast FIRE?▼
Coast FIRE is the amount you need saved NOW such that, even if you stop saving entirely, compound growth alone will grow it to your full FIRE number by your target retirement age. Once you hit Coast FIRE, you only need to earn enough to cover current expenses.
What is the difference between Lean FIRE, FIRE, and Fat FIRE?▼
Lean FIRE covers 70% of your current lifestyle expenses — a frugal retirement. Regular FIRE covers 100%. Fat FIRE covers 150% — a comfortable retirement with room for travel, hobbies, and inflation surprises.
Is FIRE realistic in India?▼
India's higher inflation (5-6%) and healthcare costs mean you need a larger corpus relative to expenses compared to developed countries. However, lower cost of living and higher equity returns (12-14% historically) can make FIRE achievable with disciplined saving. Use 3-3.5% withdrawal rate instead of 4% for safety.
This calculator provides estimates for informational purposes only. Actual outcomes may vary based on applicable laws, financial institutions, products and individual circumstances.