FIBRE Calculator
Plan Financial Independence through Business, Real Estate & Equity.
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Real Estate Income
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Business / Freelance Income
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Equity Portfolio
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FIBRE Results
FIBRE Number (Equity Corpus Needed)
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equity corpus to cover income gap at target year
Annual Expenses at Target
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Rental Income at Target
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Business Income at Target
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Gap to Cover from Equity
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Monthly SIP Needed to Build Equity Corpus
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Income Streams Year-by-Year
| Year | Annual Expenses | Rental Income | Business Income | Coverage % |
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Frequently Asked Questions
- What is FIBRE vs FIRE?
- FIRE focuses on building a single large equity corpus. FIBRE expands this by factoring in multiple passive income streams — rental, business and equity — reducing the equity corpus needed and diversifying income risk for a more resilient financial independence plan.
- Why use multiple income streams for financial independence?
- Multiple streams reduce reliance on any one source. If rental covers 40% and business 30% of expenses, only 30% needs to come from equity — meaning a much smaller corpus is needed, making FI faster and more achievable.
- How to build passive income in India?
- Common options include rental properties, REITs, dividend stocks, index funds via SIP, digital products, royalties, P2P lending and SWP from mutual funds. The key is to start early and diversify across asset classes.
- How is the FIBRE number calculated?
- The FIBRE number = (future annual expenses − rental income − business income) × 25, using the 4% safe withdrawal rule for the equity portion only. Monthly SIP is then calculated to build this corpus over your planning period.