FIRE Calculator
Find the corpus that can pay your life, then see if today's SIPs get you there. Built for Indian inflation, healthcare, tax on withdrawals, and a long retirement.
When can work become optional?
Your FIRE number is the corpus that can pay yearly spend at a safe withdrawal rate.
How this number is built
Yearly spend at retirement, divided by your withdrawal rate. Then we add a tax haircut, extra years as a safety sleeve, and a separate emergency cash pile. Healthcare is inflated faster than the rest of life, because that is how India usually works.
1. You
Ages
15 years to save, then 45 years the money must last.
2. Life cost
What must the corpus pay?
Rent or EMI, food, school, fuel, help at home. Do not include SIPs. Those are savings, not spend.
Retirement lifestyle
Same as today. Lean and Fat scale the monthly number you typed. Custom leaves it as-is.
This slice grows at the healthcare inflation rate.
3. Fuel
What you already have, and what you add
Mutual funds, shares, PPF, NPS, EPF if you will actually use them. Skip the house you will live in.
Used only to show your savings rate. Early FIRE often needs 40% to 70% of take-home going to investments.
4. Mix
Where the money sits
We map the mix to long-term guesses: equity 12%, gold 10%, debt 7%. After retirement the assumed return drops by about 3 points, because a safer mix is usual.
Return while working
10.5%
You can type over this if you disagree with the mix.
Return after FIRE
7.5%
Lower, because the mix usually gets safer.
5. Rules
Withdrawal, inflation, tax, buffers
Safe withdrawal rate
3.5% means you need about 28.6 times yearly spend. 4% means 25 times. Lower is safer for a long Indian retirement.
6. The number
Your FIRE picture
₹3.75 Cr still to build
Raise SIP to about ₹98,567 a month (with your 10% step-up), delay FIRE, or trim spend. A 25% savings rate is solid, but may need more time.
Invested FIRE number
₹8.75 Cr
At age 45
You are heading to
₹5.00 Cr
15 years of SIPs
Still short
₹3.75 Cr
SIP that hits the number
₹98,567
₹48,567 more than today
Monthly spend then
₹1,87,619
From ₹80,000 today
Earliest FIRE age
45
Target age 45
Savings rate
25%
First-year SIP / take-home
Plan strength
30% · Not enough yet
Smooth-return path, not a crash test
Money at last age
Runs out
Dry around age 69
Coast FIRE today
₹1.96 Cr
Corpus needed to stop new SIPs
The same life, different FIRE styles
Lean
70% of today's monthly spend
₹6.56 Cr
Regular
Keep today's standard
₹8.75 Cr
Your plan
Regular
₹8.75 Cr
Fat
150% of today's monthly spend
₹12.40 Cr
Barista
Portfolio covers half. Work covers half.
₹4.37 Cr
Plus keep ₹13.49 L in liquid cash (6 months of spend at retirement). That cash is on top of the invested number.
Corpus vs the moving target
The dashed line is the invested corpus you need at that age. When the solid line stays above it, work can be optional. After the FIRE age, the solid line is withdrawals at post-FIRE returns.
What is inside the FIRE number
Yearly spend at retirement
₹26,97,925
SWR corpus (3.5% of spend)
₹7,70,83,581
Tax pad (10% extra)
₹77,08,358
Safety sleeve (1 year of spend)
₹26,97,925
Invested total
₹8,74,89,864
Emergency cash (6 months)
₹13,48,963
Grand total to feel safe
₹8,88,38,827
What to do next
This month
Lift SIP toward ₹98,567
Step-up is set at 10% a year. Automate it the month of the hike.
This year
Hold about ₹13.49 L as cash by FIRE
Do not count the house you live in. Do count EPF, NPS, and taxable investments you will use.
Before you quit
Health insurance first, then the withdrawal plan
A 3.5% SWR is a planning rate. In a bad market year, spend from cash and debt, not from crashing equity.
Planning picture only, not advice. Returns, inflation, tax, and life will not be a straight line. Use this to set a target, then review it every year.