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Finance & Investment · Planning

FIRE Calculator (Financial Independence, Retire Early)

Calculate your FIRE number — the portfolio that lets you live off investments — from your yearly expenses and a safe withdrawal rate, how many years your savings rate will take to get there, your Lean and Fat FIRE targets, and your Coast FIRE number.

Also listed inRetirement Planning

Your inputs

Quick start — try a typical case

years

₹ 9 lakh

₹ 25 lakh

₹ 9 lakh

₹ 18 lakh

Only used to show your savings rate.

%

4 % is the classic US rule; 3–3.5 % is safer for early retirement and higher inflation.

Your result Live

Financially Independent in 15 years 7 months

Age 45

When your portfolio reaches ₹2,57,14,286 in today's money

FIRE Number (today's money)
₹2,57,14,286
FIRE Number in Future Money
₹6,38,60,311
Lean FIRE (75 % of expenses)
₹1,92,85,714
Fat FIRE (150 % of expenses)
₹3,85,71,429
Coast FIRE Number (stop saving, retire at 60)
₹64,51,505
Your Savings Rate
50%
Real Return Used
4.72%
  • Invested so far · 10%₹25,00,000
  • Still to go · 90%₹2,32,14,286
Portfolio vs FIRE number (today's money)

An estimate from the assumptions you entered, not a guaranteed outcome.

How this is calculated

FIRE number = Yearly expenses ÷ Withdrawal rate · Coast FIRE = FIRE number ÷ (1 + real return)^(years to retirement age)

Withdrawal rate
Share of the portfolio you spend each year (e.g. 3.5 % ⇒ 28.6 × expenses)
Real return
(1 + return) ÷ (1 + inflation) − 1; everything is in today's money

Financial independence means your investments can pay your expenses indefinitely. The FIRE number is your yearly spending divided by a safe withdrawal rate. How fast you get there depends mostly on your savings rate. Coast FIRE is the amount that, left alone, grows into your FIRE number by a normal retirement age — after that, you only need to cover today's expenses.

Assumptions & sources

  • All amounts are in today's money; growth uses the real return. Savings are invested evenly through each year.
  • The withdrawal rate is a planning rule of thumb from historical studies — not a guarantee for every market sequence.
  • Taxes on withdrawals and big one-off costs (housing, children's education) should be included in expenses.
  1. 1Determining Withdrawal Rates Using Historical Data (Bengen, 1994) — Journal of Financial Planning
  2. 2Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable (Cooley, Hubbard & Walz — the 'Trinity study', 1998) — AAII Journal

Calculator ID FIN-PLAN-FIRE-001 · version 1.0.0

Common questions

Is 4 % safe in India?

The 4 % rule comes from US data over 30-year retirements. Early retirees in India face longer horizons and higher inflation, so many planners use 3–3.5 % — this calculator defaults to 3.5 %.

What matters most for FIRE?

Your savings rate. Saving 50 % of income typically means financial independence in about 15–17 years, regardless of income level.

What is Coast FIRE?

The point where your existing investments, without any new money, will grow to your FIRE number by a traditional retirement age. After that you only need to earn enough to cover current expenses.