FIRE Calculator
Your FIRE number, using a safe withdrawal rate you control — not a fixed 4% borrowed from a different country's market history — plus the monthly SIP required to reach it by your target age.
Calculate your FIRE number
At a 3.5% withdrawal rate, your ₹60.0 K/month today becomes roughly ₹1.44 L/month at your FIRE age, after inflation.
How this is calculated
The FIRE number is annual expenses at your target age, divided by your safe withdrawal rate: FIRE number = Annual expenses ÷ Withdrawal rate. A lower withdrawal rate produces a larger number, but a plan more resilient to a longer payout period — which matters more the earlier you're aiming to stop working. See FIRE in India for why many planners use a more conservative rate here than the US-standard 4%.
The required SIP then solves backwards from that target, net of what your existing corpus is projected to grow into on its own by your target age — the same future-value-then-solve-backwards approach used by the retirement calculator.
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