FIRE Calculator

Plan your path to Financial Independence, Retire Early with multiple strategies.

Mode

FIRE Strategy

Your Profile

Yr
Yr
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Total liquid investments now
Yr

Investment Plan

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Standard is 4%
FIRE Target (Normal)

₹ 0

Achieve Financial Independence by age undefined (in undefined years).

Path to Independence

Year-wise Breakdown

YearAgeCorpusContributionReturnsExpenses

The 4% Rule

You can safely withdraw 4% of your corpus annually in retirement without depleting it over 30 years.

Documentation

Understanding FIRE Strategies

Financial Independence, Retire Early (FIRE) is a movement dedicated to extreme savings and investment that allows proponents to retire far earlier than traditional budgets and retirement plans would allow.

Normal FIRE

The standard approach. Accumulate 25x your annual expenses.

Target = Annual Expenses × 25
Lean FIRE

For those willing to live a minimalist lifestyle. Expenses are typically 70% or less of standard living.

Target = (Annual Expenses × 0.7) × 25
Fat FIRE

For a lavish retirement with travel and luxury. Expenses are generally 1.5x to 2x normal spending.

Target = (Annual Expenses × 1.5) × 25
Coast FIRE

You have enough invested that compound interest alone will reach your FIRE number by retirement age (e.g., 60).

Target = Normal FIRE ÷ (1 + Return)^Years

Last Updated: February 2026

Disclaimer: This calculator provides estimates based on your inputs and assumptions (inflation, returns). Market performance varies. This is not financial advice.

How to Use

About the FIRE Calculator

What it calculates

Estimates the corpus needed for Financial Independence, Retire Early (FIRE) based on expenses and withdrawal rate.

When to use it

Use when planning early retirement using the 4% rule or custom withdrawal rates and expense projections.

Example

Annual expenses of ₹12 lakh with a 4% withdrawal rate suggest a FIRE corpus of about ₹3 crore.

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