FIRE Calculator
Financial Independence, Retire Early
Find your FIRE number — the corpus you need to retire forever. We show both the 4% rule and the India-safe 3% withdrawal rate, so you can plan with confidence.
What you spend today, not at retirement
Progress toward FIRE number (3% rule)
FIRE Number (3% rule — India)
₹4.79 Cr
33× projected annual expenses at retirement
FIRE Number (4% rule — Global)
₹3.59 Cr
25× projected annual expenses at retirement
Monthly SIP needed to reach FIRE
₹89,569
Over 15 yrs at 12% · current savings grow to ₹27.37 L
Safe withdrawal/month (3%)
₹1.20 L
₹4.79 Cr × 3% ÷ 12
Safe withdrawal/month (4%)
₹1.20 L
₹3.59 Cr × 4% ÷ 12
Corpus growth to FIRE number — year by year
Related Reading
How Inflation Affects Investment Returns in India
A 12% return sounds excellent — after 6% inflation, it's 5.7% real. Here's why inflation-adjusted thinking transforms your FIRE plan.
Read articleSIP InvestingSIP vs Lump Sum: What 30 Years of Indian Market Data Shows
We ran the numbers on Sensex and Nifty over three decades. When each approach wins — and when the difference is smaller than you think.
Read articlePortfolio StrategyGoal-Based Investing: Build Portfolios Around Life Goals
Optimising for 'highest return' is the wrong question. Here's how goal-based portfolios change your relationship with risk and time.
Read articleWhat is FIRE (Financial Independence, Retire Early)?
FIRE in India is fundamentally different from FIRE in the US. While the core concept—saving and investing aggressively to retire a decade or more ahead of schedule—remains the same, the assumptions used require careful adjustment for the Indian context.
A standard FIRE calculator helps you determine your retirement corpus—the exact absolute number of investments you need to sustain your lifestyle indefinitely without relying on active income. Once you reach this financial independence milestone, work becomes a choice, not a necessity.
How this early retirement calculator works
Unlike generic retirement calculators that assume flat withdrawal rates, this tool models two distinct mathematical realities. It dynamically calculates both the global standard (the 4% rule) and the designated safe withdrawal rate for India (the 3% rule) in parallel.
By inputting your current monthly expenses, expected inflation, and expected portfolio returns, this calculator mathematically projects your required retirement corpus across decades. It then backward-calculates the exact monthly SIP needed to bridge the gap and securely hit your FIRE number.
The math behind your FIRE number
FIRE planning involves three sequential calculations: inflating your expenses to retirement date, applying a safe withdrawal rate to find your target corpus, then back-calculating the SIP needed.
Future Exp = Current Annual Exp × (1 + inflation)^years
Your Rs.6L/year today costs Rs.25.75L/year after 25 years at 6% inflation.
FIRE Number = Future Annual Expenses / withdrawal rate
4% rule: FIRE = expenses / 0.04 = 25x expenses. India-safe 3% rule: FIRE = expenses / 0.03 = 33x expenses.
P = FV * r / (((1+r)^n - 1) * (1+r))
r = annual return / 12 / 100 (monthly rate), n = years * 12 (total months). Standard Indian SIP formula inverted.
Worked example
Inputs: Age 30 → retire at 55 · ₹50,000/month expenses · 6% inflation · 12% returns · ₹0 savings
India note: The 4% rule was derived from US market data. With India's higher structural inflation and shorter equity market history, using 3% (33× expenses) gives a meaningful safety margin. We show you both — you decide.
Frequently asked questions
FIRE planning in the Indian context — answered clearly.
Ready to build a personalised plan?
Your FIRE number is the target. Aurelian Capital builds the road — portfolio allocation, Monte Carlo goal probability, and a monthly plan customised to your risk profile.