FIRE Calculator India

Take your yearly expenses at the age you plan to retire, grown by inflation from today, and divide by the withdrawal rate you plan to use. At a 3.5% withdrawal rate that is about 28.6 times a year's expenses, and at 4% it is 25 times. The calculator does this from your monthly expenses, inflation and withdrawal rate.

There is no single right figure. The 4% rule comes from US studies of 30-year retirements. Indian inflation has run higher and an early retirement can last 40 years or more, so many planners use 3% to 3.5%. The calculator lets you set it, and its separate check shows whether the corpus lasts to the age you plan for.

The target uses your withdrawal rate to size the corpus; the durability check pays your inflation-linked expenses from the projected corpus at the post-FIRE return you entered. They can disagree, for example if the post-FIRE return is low or inflation is high. That is useful: a plan that passes both is more robust than one that passes only the first.

No. The earliest age shown is where the projection meets the target under the returns, inflation and investing you entered. Real returns vary from year to year and early losses matter most, so treat it as a plan to test rather than a promise, and try lower returns and higher inflation.

Healthcare costs, children's education, taxes on withdrawals, one-off expenses, changes in your income and the order in which returns arrive are not modelled. The monthly return is the annual rate divided by 12. It is not financial advice.