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FIRE number calculator

Your FIRE number is more than "expenses ÷ 4%". It also needs to cover a house you still plan to buy and the years when your children cost more. This calculator adds all three.

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yrs
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4% is the usual assumption. A lower rate is safer.

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Used only to check how many years your corpus lasts, below.

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yrs

Set the cost to 0 if this doesn't apply.

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yrs

School, higher education, or another large cost.

Your FIRE number
₹0
You'll need this by —
Core corpus (inflated expenses ÷ withdrawal rate)₹0
House, at future cost₹0
Kids' expense, at future cost₹0
Total FIRE number₹0
How long the core corpus lasts
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This adds the house and the kids' expense as lump sums on top of a standard core-FIRE corpus. This is a simplification, not a full cash-flow plan. It ignores taxes, existing savings earmarked for these goals, and the fact that a paid-off house lowers your monthly expenses. Treat the number as a starting point, not a target to the rupee.
"How long it lasts" simulates only the core corpus. The house and kids' money is assumed to be spent as a lump sum, not left invested. Each year's withdrawal grows with inflation; the remaining balance grows at the return rate above. Real markets don't move in a straight line, so treat this as a rough check, not a guarantee.

Questions people ask

Worked answers, using the same formulas as the calculator above.

What is a FIRE number?

The corpus at which your investments can pay your living costs for the rest of your life, so work becomes optional. It is your yearly expenses at the date you stop working, divided by the share of the corpus you plan to withdraw each year.

How do I calculate my FIRE number in India?

Inflate today’s yearly expenses to the year you plan to retire, then divide by your withdrawal rate. ₹80,000 a month today is ₹23 lakh a year after 15 years at 6% inflation; at a 4% withdrawal rate that needs about ₹5.75 crore, and at 3% about ₹7.67 crore. Add any large future costs on top.

Is 25 times annual expenses enough to retire early in India?

25 times is the 4% rule, built on 30-year US retirements. Retiring at 40 means planning for 45 years or more, and Indian inflation has run higher. Many early retirees use 30 to 33 times (a 3% to 3.3% withdrawal rate). The withdrawal rate simulator shows how long each rate lasts.

Should my FIRE number include buying a house and children’s education?

Yes, if they are still ahead of you, and at their future cost. A ₹50 lakh flat bought in 5 years costs about ₹67 lakh at 6% inflation; ₹20 lakh of education needed in 10 years costs about ₹36 lakh. This calculator adds both to the core corpus instead of hoping expenses cover them.

What inflation rate should I use for FIRE planning?

6% is a reasonable base for household spending in India. Education and healthcare have tended to rise faster, so if those are a large share of your costs, run the numbers again at 7% to 8% and see how much the target moves.

What are Lean FIRE and Fat FIRE?

Lean FIRE targets a frugal lifestyle and a smaller corpus; Fat FIRE targets a comfortable one with a large margin. Coast and Barista FIRE sit in between, relying on growth or part-time income. The types of FIRE, explained.

Related

Withdrawal rate simulatorDoes your corpus last at 4%, 5% or 6% a year? SIP calculator with inflation and taxWhat your monthly SIP grows to, after tax and inflation. The 4% rule and its assumptionsWhat the original study assumed. Where the return comes fromThe calculator assumes a rate. The Strategy Lab shows you the 21 years of real returns behind it, month by month.