Financial Calculators
FIRE Calculator
Financial independence is a number, not a dream. Compute yours, inflation-adjusted, and the SIP that reaches it.
Your FIRE number (at independence)
₹5,77,28,438
- In today's rupees
- ₹1,80,00,000
- Monthly SIP that gets there
- ₹57,778
The multiple is your judgement call: 25x maps to a 4% withdrawal rate, 30-33x is more conservative for long Indian retirements. The target is inflated to the year you actually reach it.
What FIRE actually means
FIRE (Financial Independence, Retire Early) reduces to one question: what corpus lets your investments fund your expenses indefinitely? The classic answer is a multiple of annual expenses: 25x maps to the 4% withdrawal rule from US research; Indian planners often prefer 30-33x to respect higher inflation and longer retirements.
The trap is computing the multiple on today's expenses but reaching it years later. This calculator inflates the target to the year you actually arrive.
The number and the SIP
Today's number = annual expenses x multiple\nFuture number = today's number x (1 + inflation)^years\nSIP = future number / annuity-due factor(return, years)Worked example: annual expenses of Rs 6,00,000 with a 30x multiple give a target of Rs 1.8 crore today; at 6% inflation over 20 years that becomes about Rs 5,77,28,438, and a monthly SIP of about Rs 57,778 at 12% reaches it.
Frequently asked questions
Which multiple should I use?
25x is the aggressive end, 33x the conservative end. For an Indian retirement that may run 30+ years with 6% inflation, 30x is a sensible default; test your choice with the Corpus Longevity calculator.
Why does the future number look so large?
Because inflation compounds for 20 years before you arrive. Comparing goals in today's rupees while saving for future rupees is the most common planning error; this calculator refuses to make it.
Does FIRE mean I must retire early?
No. Independence means work becomes a choice. Many people reach their number and keep working with a lighter heart, which is rather the point.
Should the SIP stay constant for 20 years?
It can, but stepping it up with increments reaches the number years earlier. Run the Step-up SIP calculator to see how much.
Give independence a date.
A veteran-led team can pressure-test your number and the path to it.