About the AI FIRE Planner
What is the AI FIRE Planner?
FIRE – financial independence, retire early – means having enough invested to live off the returns. This fire calculator india uses a safe withdrawal rate suited to Indian inflation.
It projects your savings in real terms to find when you reach your FIRE number.
How to use the AI FIRE Planner
- Current Age (sample: 30)
- Yearly Expenses Today (₹) (sample: 9,00,000)
- Investments So Far (₹) (sample: 20,00,000)
- Yearly Savings Invested (₹) (sample: 8,00,000)
- Expected Return (% a year) (sample: 11)
- Inflation (% a year) (sample: 6)
- Safe Withdrawal Rate (%) (sample: 3.5)
- Yearly Increase in Savings (%) (sample: 7)
- Press Plan My FIRE (results also refresh as you type). The result card shows the FIRE Number, along with Years to FIRE, FIRE age, FIRE number in future rupees and Lean FIRE (70% of expenses).
Formula used
FIRE number = Yearly expenses ÷ Safe withdrawal rate
- Real return = (1 + return) ÷ (1 + inflation) − 1
- Coast FIRE = amount that grows to the FIRE number by 60 without more saving
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Current Age | 30 |
| Yearly Expenses Today (₹) | 9,00,000 |
| Investments So Far (₹) | 20,00,000 |
| Yearly Savings Invested (₹) | 8,00,000 |
| Expected Return (% a year) | 11 |
| Inflation (% a year) | 6 |
| Safe Withdrawal Rate (%) | 3.5 |
| Yearly Increase in Savings (%) | 7 |
| Result | Value |
|---|---|
| FIRE Number | ₹2,57,14,286 |
| Years to FIRE | 17 |
| FIRE age | 47 |
| FIRE number in future rupees | ₹6,92,42,729 |
| Lean FIRE (70% of expenses) | Age 43 |
| Fat FIRE (150% of expenses) | Age 53 |
| Coast FIRE amount (retire at 60) | ₹64,51,505 |
| Real return used | 4.72% |
Tips for using the AI FIRE Planner
- Use a 3–3.5% withdrawal rate in India rather than the US 4% rule.
- Keep 1–2 years of expenses in debt funds to avoid selling equity in a crash.