Calculate your FIRE number, choose your FIRE type, and build an India-specific early retirement plan.
FIRE number = 25–33× annual expenses. Frugal lifestyle. Lower corpus needed. Suits minimalists.
FIRE number = 25× annual expenses (4% SWR). Maintain current lifestyle. Retire between 40–50.
FIRE number = 33–40× expenses. Premium lifestyle. Higher corpus. For high earners who won't compromise.
Accumulate enough so investments grow to FIRE number by retirement age without more contributions.
No employer cover post-retirement. Buy ₹25–50L family floater early. Account for 8–10% medical inflation.
Account for child education (₹1–2Cr for IIT/IIM), wedding expenses, and ageing parent care.
Accumulation: 70% equity (Nifty 50 index) + 20% debt (PPF) + 10% gold. Shift to 40:40:20 at withdrawal.
Use 3–3.5% SWR for India (not 4%) — higher inflation (6%), longer horizon (retire at 40 = 50+ yr retirement).
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