FIRE calculator
Financial independence arrives when your investments equal about 25 times your yearly expenses, the point where a 4% withdrawal covers life without a salary. Enter what you spend and what you save to see the year you cross that line.
Your numbers
After tax; take it from the calculator
Not your home; only what earns a return
Financially independent at
42
12 years from now, saving ₹10,80,000 a year (a 60% savings rate), your net worth crosses 25x of that year's expenses.
- Target today
- ₹1,80,00,000
- Lean FIRE (70%)
- ₹1,26,00,000
- Fat FIRE (150%)
- ₹2,70,00,000
- Savings rate
- 60%
Net worth against the moving target
- Net worth₹8,54,17,887
- FIRE target₹4,84,69,910
At 47 age (end of the projection)
The target rises every year because expenses inflate. Savings are assumed to rise with inflation too, and returns are before tax.
Questions
It was derived from US markets with lower inflation. With Indian inflation near 6%, a 3-3.5% withdrawal rate is safer, which the calculator lets you set. That raises the target to about 30x expenses.
Lean FIRE targets 70% of your current spending; fat FIRE targets 150%. Both are shown so you can see how lifestyle choices move the date.