Financial Independence

FIRE Calculator

Find out exactly what age you can quit your job and retire early using the 4% Safe Withdrawal Rate rule.

Your Financial Profile

Stocks, FDs, EPF, Mutual Funds.

This is the most critical FIRE metric.

Your FIRE Target

You can retire at Age

44

In exactly 14 years.

Target FIRE Corpus₹5,08,70,339
Current Savings Rate62.5%

How the FIRE Movement Works

  • The 4% Rule: The foundation of FIRE is the "Safe Withdrawal Rate" (SWR). Studies show that if you invest your money in a mix of equity and debt, you can withdraw 4% of the initial portfolio value every year (adjusted for inflation) for 30+ years without running out of money.
  • The 25x Target: Because of the 4% rule, your target FIRE corpus is mathematically exactly 25 times your annual expenses. If you spend ₹10 Lakhs a year, you need ₹2.5 Crores to retire.
  • Income doesn't matter: Notice that your FIRE corpus target depends entirely on your expenses, not your income. Someone earning ₹50 Lakhs but spending ₹40 Lakhs will take decades longer to FIRE than someone earning ₹20 Lakhs and spending ₹5 Lakhs.
  • The Accelerator: The only way to hit FIRE faster is to increase your Savings Rate. If you save 50% of your income, it takes roughly 15 years to reach FIRE starting from zero. If you save 70%, it takes less than 10 years.