FIRE Number Calculator
Calculate your Financial Independence number — the corpus at which your investments generate enough to cover all expenses forever.
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How this calculator works
FIRE (Financial Independence, Retire Early) is based on the 4% rule: if your annual expenses are ₹X, you need ₹25X invested. At a 4% withdrawal rate, historically, a diversified portfolio lasts 30+ years. India-adjusted FIRE often uses 3% withdrawal (33× expenses) due to higher inflation.
FIRE Number = Annual expenses × 25 (at 4% SWR) or × 33 (at 3% SWR) | Coast FIRE = FV(age, 60) needs to reach FIRE number without further contributions
Last updated: March 2026 · Rates and slabs updated for FY 2025-26
Three FIRE variants
Lean FIRE (very frugal), Regular FIRE (comfortable), Fat FIRE (no compromises). This calculator shows all three.
Coast FIRE milestone
Once your portfolio can grow to your FIRE number by 60 without adding more — you only need to cover expenses, not save.
India-adjust your number
Add: higher inflation (6% vs 3%), healthcare costs growing at 12%/year, no Social Security equivalent.
Frequently Asked Questions
FIRE (Financial Independence, Retire Early) number is the corpus at which your investments generate enough passive income to cover all expenses forever. It equals 25× your annual expenses using the 4% Safe Withdrawal Rate, or 33× for India's 3% SWR.
The global 4% rule is based on US market data. For India, most financial planners recommend 3–3.5% safe withdrawal rate due to higher inflation (6% vs 3%) and shorter equity market history. Use 3% for conservative planning.
It depends on your annual expenses at retirement. If you need ₹60,000/month (₹7.2L/year) and inflation will make that ₹1.2Cr/year in 15 years, your FIRE corpus at 3% SWR would be ₹40 crores. This calculator shows all variants.