FIRE Calculator
When can I stop working?
Your FIRE number
₹1.80Cr
At a 4% withdrawal rate, this corpus in today's money supports ₹7.20L a year indefinitely.
Reach FI at
Age 48.2
That's in
18y 2m
Corpus at FI
₹5.78Cr
Passive income now
₹5,000
per month at your withdrawal rate
Target at FI date
₹5.19Cr
inflation-adjusted
Annual expenses
₹7.20L
today's money
Coast FIRE number
₹34.51L
Invest this much once and coast to 60
Your situation
Your corpus vs a moving target
The dashed line rises because inflation raises the corpus you need every year you keep working. FI is where the solid line crosses it.
Which FIRE fits you?
Different lifestyles need different numbers. Green means your corpus already covers it.
₹1.17Cr
A frugal, minimalist independence.
₹1.80Cr
Your current lifestyle, indefinitely.
₹3.15Cr
Independence with room to spend.
What this calculation assumes
- •Your FIRE target rises with inflation every year you keep working — this is a moving target, not a fixed number.
- •The corpus compounds monthly at a constant return. A poor first decade can change the outcome substantially.
- •The safe withdrawal rate is a rule of thumb from US market history, not a guarantee for Indian markets.
- •Taxes on withdrawals, healthcare costs and one-off expenses are not modelled.
- •Coast FIRE assumes you stop investing entirely and let the existing corpus compound to age 60.
About this calculator
Your financial independence number, the age you reach it, and whether your corpus is outrunning inflation.