FIRE Calculator
Find your Financial Independence number and the SIP needed to retire early.
Your FIRE Number
₹ 1,50,00,000
FIRE stands for Financial Independence, Retire Early. The idea is simple: build a corpus large enough that its returns cover your living expenses forever, so work becomes optional. This calculator estimates your FIRE number and the monthly SIP needed to reach it.
The 4% rule
A common FIRE benchmark is the 4% safe withdrawal rate: if you withdraw 4% of your corpus a year, it should last decades. That means your FIRE number is roughly 25 × your annual expenses. Use the withdrawal-rate slider to be more conservative (3%) or aggressive (6%).
💡 Tip
Your FIRE number scales with your spending, not your income. Controlling lifestyle inflation is the single biggest lever for retiring early.
Frequently Asked Questions
How is the FIRE number calculated?
It is your annual expenses divided by your safe withdrawal rate. At a 4% withdrawal rate, that equals roughly 25 times your yearly spending.
What is a safe withdrawal rate?
The withdrawal rate is the percentage of your corpus you take out each year. 4% is the classic benchmark; 3% is more conservative for very long retirements.
Does this account for inflation?
This calculator estimates your target in today's terms using your current expenses. Always keep a margin of safety and review your plan periodically, as inflation raises future costs.
