FIRE Number Calculator
Your FIRE number is the corpus at which your investments generate enough to cover your living expenses — indefinitely. Enter your details below and we'll show you exactly what you need and how long it'll take.
What you spend today
Savings + investments
Invested each month
FIRE Number
₹2.18 Cr
at 3.3% SWR · ₹1.80 Cr – ₹2.40 Cr range
Retire at
Age 53
Age 51 (4%) – 54 (3%)
Expenses at retirement
₹2.3 L/mo
₹60K today, inflated 23 yrs at 6%
To retire by 50
₹39,433
starting SIP · +5%/yr step-up
Building Phase
Your corpus vs three SWR targets — hover to see values
Click legend to toggle SWR lines
How this is calculated
FIRE Number
FIRE Number = (Monthly Expenses × 12) ÷ SWR
At a 3.3% withdrawal rate, you withdraw 3.3% of your corpus each year. Historically this sustains a portfolio for 40+ years.
Why 3.3%, not 4%?
The 4% rule was derived from US market data with low inflation. India has higher average inflation (~6%) and no Social Security. We use 3.3% as a more conservative, India-appropriate default. You can change this in Advanced assumptions.
Corpus growth formula
Corpus(n) = C₀ × (1+r)ⁿ + PMT × ((1+r)ⁿ − 1) ÷ r
Where r = monthly return rate, n = months, C₀ = current corpus, PMT = monthly investment.
Assumptions
- 12% annual return = Nifty 50 long-term historical CAGR
- 6% inflation = India CPI long-term average
- Monthly compounding throughout
- Expenses are in today's rupees (inflation-adjusted corpus target)