FIRE Calculator

Once your corpus = 25× annual expenses, you are financially free.

The FIRE (Financial Independence, Retire Early) movement is gaining momentum in India, particularly among high-income professionals in tech, finance, and consulting. The core principle: accumulate a corpus equal to 25 times your annual expenses, then withdraw 4% per year — a rate that has historically never depleted a well-diversified portfolio over 30+ years (the "Trinity Study" finding).

FIRE number calculator for India: If your annual expenses are ₹12 lakh (₹1 lakh/month), your FIRE number = ₹3 crore (25 × 12 = 300 lakh). Invest this in a portfolio of 60% equity (expected 12% return) and 40% debt (expected 7% return), average return = 10%. At 4% withdrawal (₹12 lakh/year) and 6% inflation, the SWR methodology suggests this portfolio survives for 30+ years in most market scenarios.

FIRE variants gaining popularity in India: (1) LeanFIRE — retire with minimal expenses (₹30,000–50,000/month), (2) FatFIRE — retire with generous lifestyle (₹2–3 lakh/month), (3) BaristaFIRE — semi-retire with part-time income covering 30–50% of expenses. Our FIRE number calculator helps you compute your target corpus for any of these variants.