What is a good FIRE number for India?

A good FIRE number in India is typically 25-30 times your annual expenses. For example, if you spend ₹50,000/month (₹6 lakhs/year), your FIRE number would be ₹1.5-1.8 crores. Using a 3.5% SWR for India is recommended.

What is the 4% rule and does it work in India?

The 4% rule suggests withdrawing 4% of your portfolio annually in retirement. However, for India with higher inflation (6-7%), a safer 3-3.5% withdrawal rate is recommended by financial advisors.

How much SIP is needed to retire at 45 in India?

To retire at 45, starting at age 30 with ₹50,000 monthly expenses, you'd need approximately ₹25,000-35,000 monthly SIP assuming 12% returns, targeting a corpus of ₹2 crores.

What is Lean FIRE vs Fat FIRE?

Lean FIRE means retiring with a minimal lifestyle (₹25,000-40,000/month in India). Fat FIRE means retiring with a lavish lifestyle (₹1 lakh+/month). Regular FIRE is in between.

FIRE Calculator

Financial Independence & Early Retirement Planner

FIRE (Financial Independence, Retire Early) is a movement focused on saving aggressively to build a corpus that generates enough passive income to cover your expenses—so you can retire decades earlier than traditional retirement age.

⚠️ Important Legal Notice

Projections Only: FIRE calculations involve assumptions about future returns, inflation, and expenses that may not materialize.
Market Risk: Investment returns are not guaranteed. Sequence of returns risk can significantly impact outcomes.
Not Financial Advice: Early retirement planning requires professional guidance. This is educational only.

Current Age

Target Retirement Age

Monthly Expenses (Today)

Expected Inflation (p.a)

Post-Retirement Returns (p.a)

Safe Withdrawal Rate (SWR)

Your FIRE Number

Calculating...

Exp. at Retirement -

Years in Retirement -

Survival Status -

🔥 FIRE Rule of Thumb

Your FIRE Number = Annual Expenses ÷ SWR. A 4% SWR means you need 25x annual expenses.

How your corpus behaves as inflation eats into your withdrawals.

🎲 Monte Carlo Simulation

See probability distribution instead of single outcome

FIRE Calculator

🎲 Monte Carlo Simulation

Strategic Next Steps