FIRE Calculator
Financial Independence, Retire Early — calculate the corpus you need and the SIP to get there.
The % of corpus you withdraw annually in retirement (4% rule is standard)
FIRE CORPUS NEEDED
MONTHLY SIP NEEDED
YEARS TO FIRE
ANNUAL EXPENSES AT RETIREMENT
MONTHLY WITHDRAWAL
Based on . Actual results will vary based on market performance.
What is FIRE?
FIRE (Financial Independence, Retire Early) is a movement focused on aggressive savings and investment to achieve financial freedom much earlier than the traditional retirement age of 60. The goal is to build a corpus large enough that its returns cover your living expenses indefinitely.
How is the FIRE Corpus Calculated?
The calculator uses these steps:
- Projects your current monthly expenses to retirement age using inflation rate
- Calculates the annual expenses at retirement
- Divides by the safe withdrawal rate to get the required corpus (e.g., ₹12L/year ÷ 4% = ₹3Cr corpus)
- Subtracts the future value of your existing investments
- Calculates the monthly SIP needed to build the remaining corpus
The 4% Rule
The 4% rule suggests you can safely withdraw 4% of your corpus annually without running out of money for 30+ years. In India, with higher inflation, some experts suggest 3-3.5% for more safety. Adjust the withdrawal rate based on your risk tolerance.