Calculator
FIRE Calculator
Your FI number and year — the corpus where 4% withdrawal funds your life.
dhanmetrics.com · Educational illustration only · Not investment advice
FIRE number · 25× rule
₹1,80,00,000
FIRE at age 50.8 (20.8 years away)
What this means
Saving 45% of income gets you to ₹1.8Cr in 20.8 years — financial independence at age 51. Raising the savings rate is a stronger lever than chasing higher returns; even a 5-point bump shortens the path materially.
What if you…
Saved ₹60.0K/mo (+₹10K)
11.0 yrs
Lived on ₹50.0K/mo (−₹10K)
10.8 yrs
Earned 14% returns (+2%)
11.1 yrs
Educational illustration. The 4% rule comes from US data; Indian inflation is higher, so many planners use 3–3.5% for safer-than- textbook FIRE. Stress-test before quitting your job.
Adjust your scenario
Type, drag, or tap a chip — the result on the right updates instantly.
Your FIRE inputs
FIRE = a corpus large enough that your safe withdrawal rate covers your lifestyle. Default is the classic 4% rule (= 25× expenses).
Higher savings rate is the single biggest lever — far bigger than return rate.
Assumptions
Worked example
Current annual expenses ₹6 lakh, retire in 15 years, 6% inflation
Expenses at FIRE: ₹14.38 lakh/year · Monthly: ₹1,19,830
Someone spending ₹6 lakh/year today targeting FIRE in 15 years needs roughly ₹3.59 crore. Inflation pushes annual expenses to ₹14.38 lakh by then; the 25× rule converts that into the corpus needed for sustainable 4% withdrawals.
India-calibrated FIRE often uses 28–30× instead of 25× due to higher inflation.
Frequently asked questions
Real answers to the questions people search before using this calculator.
What is FIRE and what is my FIRE number?
FIRE means Financial Independence, Retire Early. Your FIRE number is roughly 25× your annual expenses — the corpus that can sustain withdrawals indefinitely at a 4% rate. For ₹6 lakh annual expenses, FIRE number is ₹1.5 crore in today's money.
Is FIRE realistic in India given inflation and taxes?
Yes, but with adjustments. Indian inflation is higher than US, so use a 3–3.5% safe withdrawal rate instead of 4%. That pushes the multiplier from 25× to 28–33× annual expenses. Tax-efficient withdrawals via SWP from equity funds materially improve the math.
What savings rate do I need to retire early?
A 50% savings rate roughly leads to FI in 17 years, 60% in ~13 years, 70% in ~9 years (assuming 7% real returns). Below 25% savings rate, retiring before 60 is mathematically very hard. Savings rate matters more than salary at the FIRE stage.
Lean FIRE vs Fat FIRE vs Coast FIRE — what's the difference?
Lean FIRE targets minimal expenses (₹3–4 lakh/year). Fat FIRE targets a comfortable lifestyle (₹15 lakh+/year). Coast FIRE means you've saved enough that, even without further contributions, your existing corpus will grow into a full retirement corpus by 60.
Should my FIRE portfolio be 100% equity?
No. During accumulation, 70–90% equity is fine. As you approach FIRE, shift toward 60–70% equity and 30–40% debt or bonds to survive sequence-of-returns risk. A market crash in the first 5 years of withdrawal hurts a 100% equity portfolio disproportionately.
What's the biggest mistake people make in FIRE planning?
Underestimating healthcare, lifestyle inflation, and one-off expenses (children's education, parents' care). Many also forget that 30+ years post-FIRE means political, tax and inflation regimes can change. Build a 20–30% buffer above the bare FIRE number.