About the FIRE Calculator
What is the FIRE Calculator?
FIRE (Financial Independence, Retire Early) means building a corpus large enough that its safe withdrawals cover your living costs, so work becomes optional. The target is your FIRE number — annual expenses divided by a safe withdrawal rate.
Enter your annual expenses, current corpus, monthly investment, expected return, inflation and withdrawal rate. The calculator grows your corpus and your inflation-adjusted FIRE number year by year and shows when the corpus overtakes the target.
How to use the FIRE Calculator
- Annual Expenses (₹) (sample: 6,00,000)
- Current Corpus (₹) (sample: 25,00,000)
- Monthly Investment (₹) (sample: 35,000)
- Expected Return (% per year) (sample: 11)
- Inflation (% per year) (sample: 6)
- Withdrawal Rate (%) (sample: 4)
- Press Calculate FIRE (results also refresh as you type). The result card shows the Estimated FIRE Timeline, along with FIRE Number (Today's Money), Current Corpus, Gap to Today's FIRE Number and Projected Corpus After 40 Years.
Formula used
FIRE number = Annual expenses × 100 ÷ Withdrawal rate
- Corpusₜ = Corpusₜ₋₁ × (1 + return) + 12 × Monthly investment
- Targetₜ = FIRE number × (1 + inflation)ᵗ
Years to FIRE is the first year in which the projected corpus is at least the inflation-adjusted target (checked up to 40 years).
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Annual Expenses (₹) | 6,00,000 |
| Current Corpus (₹) | 25,00,000 |
| Monthly Investment (₹) | 35,000 |
| Expected Return (% per year) | 11 |
| Inflation (% per year) | 6 |
| Withdrawal Rate (%) | 4 |
| Result | Value |
|---|---|
| Years to Financial Independence | 21 years |
| FIRE Number (Today's Money) | ₹1,50,00,000 |
| Current Corpus | ₹25,00,000 |
| Gap to Today's FIRE Number | ₹1,25,00,000 |
| Projected Corpus After 40 Years | ₹40,68,69,116 |
Tips for using the FIRE Calculator
- The biggest lever is your savings rate — cutting expenses both lowers the target and raises savings.
- Indian FIRE planners often use a 3–3.5% withdrawal rate because of higher inflation.
- Keep health insurance independent of your employer before you retire early.