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FIRE calculator: when could work become optional?
FIRE means financial independence, retire early. The idea is simple: build a corpus big enough that a safe yearly withdrawal pays your expenses. This calculator finds that number and a rough date.
Change the inputs
FIRE number
Turns your lifestyle cost into a retirement target and a simple time estimate.
Transparent formulas. Estimates are education, not promises or insurance advice.
Your result
₹This uses today’s buying power and a 4.7% return after inflation. It assumes your monthly investment keeps pace with inflation. Review it every year.
Save it in RupaylogyHow this calculator works
- FIRE number = yearly expenses ÷ withdrawal rate, in today's rupees. At a 4% withdrawal rate that is 25 times your yearly spending.
- Growth is modelled with the real return, which is the expected return after inflation, and assumes your monthly investment rises with inflation.
- The estimated age is when your current corpus plus ongoing investments reach the FIRE number.
A worked example
Monthly expenses of ₹60,000 are ₹7.2 lakh a year. At a 4% withdrawal rate, the FIRE number is about ₹1.8 crore in today's money.
Questions people ask
Is a 4% withdrawal rate safe in India?
The 4% rule comes from US market history. With higher inflation in India, many planners use 3–3.5% to be safer. Try both in the calculator.
Should the FIRE number include my house?
Count only money that can pay your bills. A home you live in reduces rent but does not produce cash, so leave it out of the corpus.
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