FIRE Calculator | Financial Independence & Retire Early
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FIRE

Discover your FIRE number and financial freedom timeline.

When Can You Retire Early?

25× annual expenses needed to retire early (4% rule)
40% of millennials dream of retiring before 50
₹1.5 Cr needed to FIRE if monthly expenses are ₹50,000
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FIRE Calculator

When Can You Retire Early?

See how soon you can make work optional

🏙️ Quick Setup by City
🎯 Choose Your FIRE Style
👤 Personal Information
🎂 Current Age
years
🎯 Target Retirement Age
years
Years to retirement: 20
💸 Lifestyle & Expenses
💳 Current Monthly Expenses
₹
Annual: ₹6.0 L
📈 Inflation Rate
%
💰 Savings & Investments
🏦 Current Savings/Investments
₹
₹5.0 L
💸 Monthly Savings
₹
Annual: ₹3.0 L • Rate: ~33%
📊 Expected Investment Return
%
📋 Quick Summary
Target Corpus Needed
₹4.8 Cr
Years to Retirement
20 years
Monthly Savings
₹25K
FIRE Type
Regular FIRE
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You'll reach FIRE in 25 years

Financial freedom by age 50!

👍 Good progress! FIRE by age 50 means you can retire a decade early!
🎯 Progress to FIRE 55.0%
Current: ₹5.0 L • Target: ₹4.8 Cr
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Target Corpus

Regular FIRE

₹4.8 Cr
Safe withdrawal @ 4%: ₹6.0 L
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Projected Wealth

At retirement

₹2.6 Cr
⚠️ Below target
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Safe Withdrawal

Annual income

₹6.0 L
Monthly: ₹50K
₹50K × 12 × 1x = ₹₹6.0 L
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Time to FIRE

Years remaining

25 years
Age 50

📈 Wealth Growth to FIRE

Age 25₹5.0 LAge 50₹4.9 CrAge 45₹2.6 CrAge 25Age 55₹0₹9.6 CrFIRE Target: ₹4.8 Cr
Wealth Growth
FIRE Target
FIRE Achieved
📊 Your wealth growth journey from age 25 to 55

Why Use a FIRE Calculator?

FIRE (Financial Independence, Retire Early) is trending among Gen Z. A FIRE Calculator helps you find your FIRE number (the amount needed to retire) and your timeline to reach it.

How Does It Work?

Input your monthly expenses, savings rate, current corpus, expected returns, and withdrawal rate. The calculator shows:

  • Your target retirement corpus (usually 25× annual expenses).
  • The year/age when you can stop working.

When Should You Use It?

  • If you dream of retiring at 40–50 instead of 60+.
  • To test scenarios: “What if I save 10% more per month?”

To align savings with financial independence goals.


Smart FIRE Planning

Choose between Lean FIRE, Regular FIRE, or Fat FIRE based on your lifestyle goals and expenses.

Wealth Growth Visualization

See your wealth grow over time with interactive charts and track your progress to financial independence.

What-If Scenarios

Explore different saving strategies and see how small changes can dramatically impact your FIRE timeline.


FIRE stands for Financial Independence Retire Early. It's a movement focused on saving and investing to achieve financial freedom and the option to retire much earlier than traditional retirement age.

The 4% rule suggests you can safely withdraw 4% of your portfolio annually in retirement. This means you need 25x your annual expenses to achieve FIRE (1 ÷ 0.04 = 25).

Lean FIRE (0.8x expenses), Regular FIRE (1x expenses), Fat FIRE (1.5x+ expenses). Choose based on your desired retirement lifestyle and spending needs.

This calculator provides estimates based on your inputs. Actual results may vary due to market conditions, inflation, and life changes. Use this as a planning tool, not a guarantee.