FIRE Calculators for India
Most retirement calculators are built for the US - they assume 4% safe withdrawal rates, 2–3% inflation, and a Social Security safety net that Indian retirees don't have. Every tool here uses India-specific assumptions: 3.3% safe withdrawal rate, 6% inflation, and 12% long-term equity returns based on the Nifty 50's historical CAGR.
Start with the FIRE Number Calculator if you want to know your retirement corpus target. Use the SWP Sustainability Calculator once you have a corpus in mind - it shows whether your withdrawal plan survives inflation, market crashes, and large one-time expenses. Take the FIRE Readiness Score for a personalised assessment of where you stand today.
Every calculator here runs on the same set of India-adjusted defaults. If you want to see where those numbers come from, the exact formulas, and the things these tools do not model, that is all written down on the methodology page.
FIRE Number Calculator
How large does your investment corpus need to be before you can retire? Enter your expected monthly expenses and we'll calculate the target - using India's safe withdrawal rate of 3.3%.
Post-FIRE SWP Sustainability - How Long Will My Corpus Last?
You've retired. How long will your corpus last with monthly withdrawals? Stress test against market crashes and big expenses to see if your corpus survives.
Compound Interest Calculator
How much will your money grow? Enter a one-time lumpsum, a monthly SIP, or both - and see your corpus, total gains, and wealth ratio over any tenure.
Portfolio Rebalancing Backtester
Mix Equity, Debt, and Gold. Backtest any allocation against 45 years of real Sensex and gold price data. See how rebalancing frequency affects your CAGR and max drawdown.
Inflation Impact Calculator
See what your monthly expenses will be 10, 20, or 30 years from now. Use category-wise inflation rates for healthcare, education, and daily needs to find your real effective inflation rate.
Bucket Strategy Calculator
How much of your corpus belongs in FDs and liquid funds so a market crash never forces you to sell equity? Size the safety bucket with real inflation and post-tax returns, and see the year-by-year drawdown.
CAGR Calculator
Calculate the compound annual growth rate of any investment, then see what survives inflation. Build your own blended rate from general, healthcare and education spending instead of using headline CPI.