FIRE Engine

Can I Retire Today?

Find out instantly if your current liquid net worth is enough to sustain you indefinitely without working another day.

Your Financial Snapshot
Enter your invested assets and annual lifestyle cost.

Do not include your primary residence unless you plan to sell it.

The 4% rule is standard, but conservative retirees use 3%.

Verdict

Keep Working

You are short by ₹1,00,00,000.

Target "Critical Mass" Corpus

₹3,00,00,000

Progress to FIRE66.7%

The 4% Rule Explained

The Safe Withdrawal Rate (SWR) theory, popularized by the Trinity Study, suggests that if you withdraw 4% of your starting portfolio value annually (adjusted for inflation), your money should last for at least 30 years across almost all historical stock market scenarios.

Intelligence Insight: If you plan to retire extremely early (e.g., in your 30s or 40s), many financial advisors suggest dropping your Safe Withdrawal Rate to 3.25% or 3.5% to account for a 50+ year retirement timeline and Sequence of Returns Risk.