Investment
FIRE Calculator
Computes your FIRE number from your annual expenses and a safe withdrawal rate, then projects how many years it takes to reach it.
Your details
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%
4% is the commonly cited (though debated) starting point — a lower rate is more conservative.
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₹
%
Your FIRE number
₹1,50,00,000
Years to reach it
12
Your FIRE number is ₹1,50,00,000 (25× annual expenses). At your current corpus and investment rate, you'd reach it in about 12 years.
How this is calculated
FIRE number = Annual expenses ÷ safe withdrawal rate. Years to FIRE is found by projecting your current corpus + monthly investments forward year by year until the corpus reaches the FIRE number.
Frequently asked questions
What is a FIRE number?
The corpus size at which the returns alone (at your chosen safe withdrawal rate) can fund your annual expenses indefinitely — commonly approximated as 25× annual expenses at a 4% withdrawal rate.
Is 4% really 'safe'?
It's a widely cited starting point from historical US market studies, but it's debated — sequence-of-returns risk, taxes, and India-specific market history mean many planners use a more conservative 3–3.5% instead.
How is this different from the Retirement Planner?
Retirement Planner targets a traditional retirement age with inflation-adjusted expenses; FIRE targets the earliest point your corpus alone can sustain you, often decades before typical retirement age.