About planMyFIRE
Most FIRE content on the internet is written for Americans — the 4% rule, 401(k) accounts, Social Security as a safety net. That math doesn't work here. India has 6% inflation, no universal government pension, different tax rules, and an entirely different investment landscape.
planMyFIRE is built specifically for Indian professionals — IT workers, salaried employees, and self-employed people between 28 and 45 — who want to model early retirement with honest, India-adjusted numbers. We use a 3.3% safe withdrawal rate (not 4%), 6% inflation, and real Indian instruments like EPF, PPF, NPS, and equity mutual funds.
Why we built this
The idea started simply: we couldn't find a single FIRE calculator that used Indian numbers. Every tool online defaulted to 4% SWR, assumed USD returns, and had no concept of EPF, PPF, or the LTCG tax structure. So we built one.
Over time, that one calculator became a full toolkit — FIRE number, SWP sustainability, compound interest, inflation impact, CAGR, portfolio rebalancing, and a FIRE readiness quiz. Every number you see on this site is sourced from Indian market data: Nifty 50 historical returns, RBI inflation figures, and current tax rules under the Indian Income Tax Act.
What we offer
- FIRE Number Calculator — how much corpus you need, adjusted for Indian inflation and SWR
- SWP Sustainability Calculator — will your corpus last? Model depletion scenarios year by year
- Compound Interest Calculator — how your investments grow over time with step-up contributions
- Portfolio Rebalancing Calculator — drift detection and rebalancing instructions for equity/debt portfolios
- FIRE Readiness Quiz — a 12-question scorecard to see where you stand
- In-depth articles — EPF vs PPF vs NPS, health insurance before 60, SWP vs FD, and more
Our assumptions
Every calculator on this site uses the following defaults, based on Indian historical data and current regulations. You can override most of these in the calculators directly.
| Parameter | Value used | Source / rationale |
|---|---|---|
| Inflation | 6% | RBI long-run CPI average |
| Safe Withdrawal Rate | 3.3% | India-adjusted; no government pension |
| Equity returns (Nifty 50) | 12% CAGR | Nifty 50 historical CAGR ~1995–2024 |
| Debt returns | 7% | FD / gilt fund average yield |
| Balanced portfolio (60:40) | 9.5% | Weighted blend of above |
| LTCG tax (equity MF) | 12.5% above ₹1.25L/yr | Finance Act 2024 |
How we keep content accurate
Indian tax rules, EPF limits, and LTCG thresholds change with each Union Budget. We review our calculators and articles after every Budget announcement and update the numbers. If you spot something outdated, please contact us — we fix corrections quickly.
Disclaimer
planMyFIRE is not a SEBI-registered Investment Adviser. Everything on this site — calculators, articles, quizzes — is for informational and educational purposes only. It is not personalised financial advice. Please consult a SEBI-registered adviser before making investment decisions.
Contact
Questions, feedback, or corrections? Visit our contact page or email hello@planmyfire.in directly.