Find your exact Financial Independence number — the corpus that covers all living expenses forever, adjusted for Indian inflation.
FIRE stands for Financial Independence, Retire Early. It is a personal finance movement where you build a corpus (accumulated wealth) large enough that your investment returns permanently cover all your living expenses — so you never need to work for money again.
In India, FIRE is gaining massive traction among millennials tired of the 9-to-5 grind. Whether you want to quit at 35, start your own business, travel full-time, or simply have the security of knowing you could stop working anytime — FIRE gives you that freedom.
Your FIRE number is the total corpus you need. Once you know this number, every investment decision becomes sharper.
The FIRE number is calculated using the safe withdrawal rate (SWR) concept:
FIRE Number = Annual Expenses at Retirement ÷ Safe Withdrawal Rate
The classic US 4% rule gives: FIRE Number = Annual Expenses × 25
For India, adjusted for higher inflation (6% vs 2-3% in US), the safe withdrawal rate is 3-3.5%, giving:
India FIRE Number = Annual Expenses × 28 to 33
Our calculator uses a more precise present value formula accounting for your specific retirement age, life expectancy, and post-retirement return assumptions, giving you an accurate India-specific FIRE number.
1. Enter your current age and target FIRE age
2. Enter your current monthly expenses — the calculator inflation-adjusts this to your FIRE age
3. Enter your current savings/corpus — include all investments: mutual funds, EPF, PPF, NPS, stocks, FDs
4. Enter your monthly SIP — how much you invest every month currently
5. Set pre-FIRE CAGR (use 12% for equity-heavy portfolio) and post-FIRE return (use 7-8% for conservative post-retirement allocation)
6. Set inflation (6%) and life expectancy (85 is standard)
7. Calculate to see your FIRE number, projected corpus, and whether you are on track
• Know your exact target: Stop guessing — get a precise number to work towards
• Track your progress: Year-by-year table shows exactly when you will hit FIRE
• See the gap: If you are short, the calculator shows exactly how much more SIP you need
• India-specific: Built with 6% Indian inflation and realistic Indian market return assumptions
• PDF report: Download your personalised FIRE plan to share with your spouse or financial advisor
Use our free calculators — no signup needed to calculate. Download your personalised PDF report free with account signup.
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