FIRE Calculator
Find your Financial Independence number and plan your early retirement.
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FIRE Results
FIRE Number (Regular)
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corpus needed at retirement (4% rule)
Years to Retirement
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Monthly Expenses at Retirement
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Monthly Savings Needed
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FIRE Variants
Lean FIRE
50% expenses
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Regular FIRE
100% expenses
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FAT FIRE
150% expenses
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Year-by-Year Projection
| Year | Age | Corpus Needed | Savings Accumulated |
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Frequently Asked Questions
- What is FIRE?
- FIRE stands for Financial Independence, Retire Early. It is a movement focused on aggressive saving and investing to retire far earlier than the traditional age. The goal is to build a corpus large enough that investment returns cover all living expenses forever.
- What is the 4% rule?
- The 4% rule says you can safely withdraw 4% of your corpus annually without depleting it over 30+ years. This means FIRE number = annual expenses × 25. If you need ₹12 lakh/year, you need ₹3 crore corpus.
- What is the difference between Lean FIRE, Regular FIRE and FAT FIRE?
- Lean FIRE targets retiring on 50% of current expenses (frugal lifestyle), Regular FIRE maintains the same lifestyle, and FAT FIRE targets 150% of current expenses for comfort and luxury. FAT FIRE requires 3× the corpus of Lean FIRE.
- How can I reach FIRE in India?
- Save 40–70% of income, invest in equity mutual funds via SIP, avoid lifestyle inflation and build multiple income streams. With disciplined investing and a 12% return, many people can reach FIRE in 15–20 years.