FIRE Calculator — Financial Independence
Figure out when you can stop working for money. This calculator takes your current savings, monthly investment amount, expected returns, and annual expenses to estimate the year you reach financial independence. It factors in inflation so your target corpus grows realistically with rising costs. Whether you are pursuing lean FIRE, fat FIRE, or just want to know how close you are to optional work, this tool gives you a concrete timeline and shows how changes in savings rate or spending dramatically shift the finish line.
FIRE Calculator
Financial Independence
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
What is the FIRE number and how is it calculated?
Your FIRE number is the total investment corpus you need so that its annual returns cover your living expenses indefinitely. The most common approach uses the 4% rule — multiply your annual expenses by 25 to get the target. So if you spend Rs 6 lakh a year, your FIRE number is Rs 1.5 crore. The idea is that withdrawing 4% annually from a well-diversified portfolio should be sustainable over decades.
Does the 4% rule work in India?
The 4% rule originated from US market data and assumes a mix of stocks and bonds. In India, higher inflation (typically 6-7%) means you may need a more conservative withdrawal rate of 3% to 3.5%, or a larger corpus. On the other hand, Indian equity markets have historically delivered higher nominal returns. The safest approach is to stress-test your plan with a range of inflation and return assumptions.
How does savings rate affect the time to FIRE?
Savings rate is the single most powerful lever. Someone saving 20% of their income might need 35+ years to reach FIRE, while someone saving 60% could get there in under 12 years. This is because a higher savings rate works both ways — you accumulate more money faster, and you also prove you can live on less, which means your FIRE number is lower.