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FIRE stands for Financial Independence, Retire Early. The idea is to build an investment corpus large enough that its returns can cover your living expenses indefinitely — giving you the freedom to stop working for money, whether or not you actually retire. It has become popular with Indian professionals who want options beyond a conventional 60-year career.
The common starting point is the 4% rule: if you can live on roughly 4% of your corpus each year, your money should last through a long retirement. In practice this means your FIRE number is about 25 times your annual expenses. Someone spending ₹6 lakh a year would target a corpus of around ₹1.5 crore — adjusted upward for inflation and a long horizon.
Annual expenses of ₹6,00,000, using the 4% rule:
FIRE number ≈ ₹6,00,000 × 25 = ₹1.5 crore. In a high-inflation country like India, many people aim somewhat higher, or use a more conservative 3–3.5% withdrawal rate, to stay safe over a multi-decade retirement.
Enter your current age, expenses, savings, and expected returns. The calculator estimates the corpus you need and roughly when you could reach financial independence.
It is a guideline suggesting you can withdraw about 4% of your corpus in the first year of retirement, adjusting for inflation thereafter, with a good chance the money lasts 30+ years. It is a starting point, not a guarantee — Indian investors often use a more conservative rate.
It is achievable but demanding. It typically requires a high savings rate, disciplined long-term equity investing, and careful control of lifestyle inflation. Higher inflation means Indian FIRE targets are usually larger relative to expenses than Western examples.
Very much so. Your expenses will keep rising over decades, so your corpus must both fund today's spending and keep growing ahead of inflation. Always plan with inflation-adjusted (real) returns.
