Calculate your exact FIRE number, years to financial independence and the monthly SIP needed to retire early. Includes Lean, Fat and Coast FIRE variants.
What you spend per year — this defines your FIRE number
4% means you can withdraw 4% of corpus each year forever. Higher = more risk of running out.
Open free demat + zero-cost index fund SIP
FIRE (Financial Independence, Retire Early) is a movement where you accumulate 25× your annual expenses and live off 4% annual withdrawals. India has unique FIRE considerations: lower starting salaries, higher inflation, limited social security, and the possibility of very long post-FIRE periods of 40–50 years.
FIRE means accumulating enough wealth to live indefinitely off investment returns. It is achievable in India — the lower cost of living in Tier-2/Tier-3 cities means a ₹1.5–2 Cr corpus can support Lean FIRE. The key is high savings rate (50%+) and starting early.
FIRE Number = Annual Expenses ÷ Safe Withdrawal Rate. If you spend ₹6 lakh per year and use 4% SWR, your FIRE number is ₹1.5 crore. Adjust for inflation to your target retirement year.
Lean FIRE: minimal lifestyle, typically under ₹30,000/month. Regular FIRE: comfortable middle-class life, ₹60,000–1 lakh/month. Fat FIRE: premium lifestyle, ₹1.5 lakh+/month. The corpus requirements differ by 5–10×.
Coast FIRE is the point where your existing investments, if left untouched at expected growth rate, will reach your FIRE number by traditional retirement age (60). Once you've hit Coast FIRE, you only need to earn enough to cover current expenses — no more aggressive saving needed.
The 4% rule was derived from US market data. India has higher inflation (6% vs 2–3% in US) and different equity market behaviour. Most Indian planners use 3–3.5% SWR for early retirees targeting 40–50 year retirement periods.
A FIRE portfolio typically includes: 70–80% equity (index funds — Nifty 50, Nifty Next 50, Midcap 150), 15–20% debt (PPF, bonds), 5–10% gold/REITs. Shift toward more debt as you approach your FIRE date.
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