FIRE Calculator (Financial Independence)
Financial independence is a number, not an age. It is the corpus that lets your investments cover your life so work becomes optional. Find yours.
Inputs
Your result
Your life costs ₹7.2 lakh a year. At a 3.5% safe withdrawal rate, your financial-independence number is ₹2.06 crore, which is 29x your annual expenses. At your current pace you reach it in about 12.1 years. From that point, work becomes a choice rather than a requirement.
- Annual expenses
- ₹7.2 lakh
- Your FIRE number
- ₹2.06 crore
- As a multiple of expenses
- 29x
- Years to reach it
- 12.1 years
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The honest Indian safe-withdrawal rate
The famous Western "4% rule" assumes US tax treatment and US market history. For an Indian retiree drawing from a mix of equity and debt, after tax, a more honest safe withdrawal rate for the early years is 3 to 3.5 percent. That is why this calculator defaults to 3.5 percent: it gives you a FIRE number you can actually live on without running the corpus dry in a bad decade.