MyFinCards

FIRE Calculator

Financial Independence, Retire Early comes down to one number and one date: the corpus that funds your spending indefinitely, and when your saving gets you there. The “4% rule” and the “25× rule” are the same statement, and this page treats them that way. Want the conventional retire-at-65 version instead? Use the retirement calculator.

30 Yr
18 Yr60 Yr
₹50,000
₹10,000₹10,00,000
₹10,00,000
₹0₹10,00,00,000
₹50,000
₹0₹10,00,000
12%
1%20%
4%
2%8%
Annual expenses₹6,00,000
Your FIRE number (25.0× annual)₹1,50,00,000
You reach it atAge 40

Progress to Your FIRE Number

Of the Way There

6.7%

You reach financial independence in 10 years and 5 months, at age 40

Your FIRE number is ₹1,50,00,000 — ₹6,00,000 of annual spending divided by a 4% withdrawal rate, which is the same thing as 25.0 times annual spending. The "25× rule" and the "4% rule" are one statement, not two.

VariantMonthly spendCorpus neededYou get there at
Lean FIRE
a pared-back budget
₹35,000₹1,05,00,000Age 38
FIRE
your spending as it is now
₹50,000₹1,50,00,000Age 40
Fat FIRE
room to spend more than today
₹75,000₹2,25,00,000Age 43

Worked Example: ₹50,000 a Month at a 4% Withdrawal Rate

You spend ₹50,000 a month, so ₹6,00,000 a year. A corpus that can hand you that indefinitely while withdrawing only 4% of itself has to be ₹6,00,000 ÷ 4% = ₹1,50,00,000. You have ₹10,00,000 and add ₹50,000 a month, growing at 12%.

FIRE number

₹1,50,00,000

25.0× annual spending

Still to go

₹1,40,00,000

6.7% done

Time to get there

10y 5m

at age 40

Two things this flatters, and you should know both

The target is in today's rupees and does not inflate — if you reach it in 15 years, your spending by then will be higher than the figure you entered, so the real target is higher too. Run the inflation calculator on your monthly spend over the same period to see by how much. And 4% comes from US market history over 30-year windows — it is a convention, not a law, and a retirement starting at 40 has to last far longer than 30 years.

What this Calculator Does

It divides your annual spending by the withdrawal rate you choose to get your FIRE number, then grows your existing corpus month by month with your saving on top until it clears that target — and reports the age, not a balance. It also prices the Lean, standard and Fat variants on your own figures rather than as abstractions.

How to Use It

1

Set your age and what you spend a month.

2

Set what you have invested and what you add every month.

3

Set the return you assume and the withdrawal rate you are willing to live on.

4

Read the age you reach it, then check the variants table for what a leaner or richer version costs.

Two Things This Flatters

The target is in today's rupees and does not inflate — if you reach it in fifteen years, your real spending by then is higher, so the real target is higher too. And 4% comes from US market history over 30-year windows; it is a convention, not a law, and a retirement beginning at 40 has to last far longer than thirty years. Run your spending through the inflation calculator before trusting the date.

Expert FAQ

Frequently Asked Questions

The corpus that can fund your spending indefinitely while you withdraw only a safe percentage of it each year. At the conventional 4% withdrawal rate it works out to 25 times your annual spending — the 4% rule and the 25x rule are one statement, not two.
Divide your annual spending by the safe withdrawal rate. ₹6,00,000 a year at 4% gives ₹1.5 crore. At a more cautious 3% the same spending needs ₹2 crore, because you are withdrawing a smaller slice of a bigger pot.
The Trinity study, which tested withdrawal rates against US stock and bond history over rolling 30-year windows. It is an empirical convention from one market over one period, not a law of finance. For a retirement that must last forty or fifty years, 3% to 3.5% is the common adjustment.
It has never been tested on Indian market history the way it has on US data, and Indian inflation has run higher. Most Indian FIRE practitioners use 3% to 3.5% for that reason. This calculator lets you set the rate rather than assuming one.
They are the same arithmetic on different spending. Lean FIRE targets a pared-back budget, standard FIRE your spending as it is now, and Fat FIRE room to spend more than today. The variants table on this page prices all three on your own numbers.
The point where your existing corpus will grow into your FIRE number by a normal retirement age without any further saving — so you can stop adding and simply let it compound. It is a different question from the one this page answers, and it arrives much earlier.
No, and it says so prominently. The FIRE number is computed from today's spending in today's rupees. If you reach it in fifteen years your spending will have risen, so the real target is higher. Run your monthly spend through the inflation calculator over the same period to see by how much.
Long-run Indian broad-market equity returns have sat near 12%, but a FIRE plan is unusually sensitive to the return assumption because the accumulation period is short. Running it again two or three points lower is the most useful thing you can do with this page.
Because some combinations genuinely never reach the target, and printing a date seventy years out would be a false answer. If the saving cannot outgrow the number within a working lifetime, the honest output is that the plan does not work — the levers are spending, saving and the withdrawal rate.
Neither is modelled. Withdrawals attract capital gains tax, which effectively raises the corpus you need, and private health cover gets substantially more expensive with age while employer cover disappears the day you stop working. Both argue for a lower withdrawal rate rather than a bigger spreadsheet.