Retirement & Wealth Planning

FIRE Calculator

Find your Financial Independence number — the corpus that lets you retire early using a 4% safe withdrawal rate.

About the calculator

What is the FIRE Calculator?

The FIRE Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • FIRE Corpus
    Corpus = Annual Expense / SWR
  • 25× rule
    Corpus = 25 × Annual Expense (at 4% SWR)

Why use the FIRE Calculator?

Financial planning works only when it's specific. The FIRE Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

Financial Independence, Retire Early — a movement that targets a corpus large enough to sustain expenses indefinitely.
Safe Withdrawal Rate — typically 4%, the rate at which you can withdraw indefinitely without depleting.
It's debated — many planners use 3.5–4.5% for Indian inflation.
Achieving FIRE with a minimal lifestyle, requiring a smaller corpus.
Retiring with a larger corpus to support a higher lifestyle.
Diversified equity index funds and tax-efficient instruments work best.

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