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FIRE calculator for India

Financial independence, retire early: see how much you need, adjusted for inflation in India or the US, and how much to invest each month.

  • For India and the US
  • By the Gleexa team
  • Free, no sign-up
  • Last reviewed
  • Private: nothing you type is stored
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FIRE stands for financial independence, retire early: saving and investing enough that your investments can pay your living costs for the rest of your life. This calculator estimates the corpus you need and the monthly investment to get there.

How the FIRE number is calculated

Expenses at FIRE age = today's yearly expenses × (1 + inflation)^years to goFIRE corpus = expenses at FIRE age ÷ safe withdrawal rateMonthly investment = amount needed, after growing what you already have, spread over the years to go

The safe withdrawal rate is how much of the corpus you take out each year. The well-known 4% rule comes from US data over 30-year retirements. Indian inflation is higher and early retirements are longer, so many Indian planners use 3–3.5%, which means a corpus of about 28–33 times yearly expenses.

Worked example

Example: Age 30, ₹6 lakh a year of expenses, aiming to retire at 45

With 6% inflation, expenses at 45 will be about ₹14.4 lakh a year.

At a 3.5% withdrawal rate, the FIRE corpus is about ₹4.11 crore (28.6 times those expenses).

With ₹20 lakh already invested and 10% returns, you'd need to invest about ₹77,000 a month for 15 years.

Making FIRE realistic

  • Your savings rate matters more than returns. Cutting expenses lowers both the corpus you need and the time to reach it.
  • Plan for health insurance after you leave employer cover; premiums rise with age.
  • Keep 2–3 years of expenses in safer assets so a market fall doesn't force you to sell.
  • Many people choose 'lean' or 'coast' FIRE: part-time or freelance work that covers some expenses.

In retirement, a systematic withdrawal plan is a common way to draw a monthly income.

How to use this calculator

  1. Enter yearly spending, your age and target retirement age.
  2. Add current investments.
  3. Adjust inflation, return and withdrawal rate.

FAQs

Why 3.5% and not 4%?

The 4% rule comes from US data. With higher inflation in India, many planners use 3–3.5%, roughly 30–33 times yearly spending.

Results are estimates and aren't financial advice. For decisions about your own money, check with a qualified adviser. Spotted a mistake? Tell us.

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FIRE Calculator: How Much You Need to Retire Early | Gleexa