Rajkumar Anguluri·Software Engineer · Founder, Artha Engine·Last reviewed 8 April 2026·Methodology
Independent decision-support tool. Artha Engine is not a financial services provider, does not sell loans or insurance, and has no commission relationships with banks or insurers.
FIRE Calculator
Can you actually retire early? See your inflation-adjusted FIRE number, the corpus your current contributions project to, and the gap — plus what happens if returns disappoint or you delay a few years.
Inputs
Estimate your FIRE target and how far the current plan gets you.
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Bookmark these inputs, copy a link, or send the result to someone.
Gap to FIRE target
₹2.1Cr
Not there yet
The projected corpus still falls short of the inflation-adjusted FIRE target.
Increase savings rate, delay retirement, or reduce future expense expectations.
Years to retirement
19 yrs
FIRE target
₹7.8Cr
Projected corpus
₹5.7Cr
Gap
₹2.1Cr
Benchmarks
Conservative (8% return)
+51.0%You
₹5.7Cr
Benchmark
₹3.8Cr
If equity delivers below average, your FIRE date slips.
Save 25% more each year
-14.4%You
₹5.7Cr
Benchmark
₹6.7Cr
Every ₹1 you add today compounds for decades.
Retire 5 years later
-44.0%You
₹5.7Cr
Benchmark
₹10.2Cr
Extra working years shrink the target and grow the corpus.
What moves the result most
Holding everything else fixed, here is how the headline shifts when each input swings by a typical range.
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
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At a glance
- What it does
- Uses the safe withdrawal rate method to compute the corpus needed for Financial Independence & Early Retirement (FIRE), and whether your current plan reaches it.
- FIRE formula
- Target corpus = annual expenses at retirement ÷ safe withdrawal rate (typically 3-4%).
- Typical output
- ₹9L annual expenses today at 6% inflation over 25 years, with 3.5% SWR, requires a corpus of ~₹11 Cr at retirement.
- Best used for
- The aggressive version of retirement planning — building a larger corpus to quit earlier and live off withdrawals.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- Future annual expenses are inflated to the retirement year.
- FIRE target = inflated annual expenses / safe withdrawal rate.
- Projected corpus combines current corpus growth and future contributions.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- Withdrawal safety depends on market returns, inflation, and lifestyle flexibility.
- This is a planning model, not a retirement guarantee.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
What withdrawal rate should I use?
Many people test 3% to 4%, but the right number depends on retirement length, asset mix, and flexibility.
Why can small inflation changes matter so much?
Because long-horizon retirement math compounds inflation over many years, which materially changes the required corpus.
Sources & references
Every formula and assumption above is grounded in these authoritative sources.
Related tools & decisions
Keep going from here — each link carries the same cluster context.
What to do next
Comparison pages
No direct comparison yet.
Related guides
Long-form explainers that put the math behind this tool in context.
Guide28 min
The India Personal Finance Playbook 2026: Your First ₹1 Crore by Income, Age, and City
A complete decision tree for India in 2026: a 7-question diagnostic, income-bracket and age-decade playbooks, the 12-step sequence most people get wrong, and what changed for the new tax year. Built for the salaried Indian professional aiming for the first ₹1 crore.
Guide10 min
FIRE in India: Can You Actually Retire at 40?
FIRE (Financially Independent, Retire Early) is possible in India — but the math is different from the West. Healthcare costs, family obligations, and 6% inflation change the safe withdrawal rate and required corpus significantly.
Calculations and decision frameworks, not personalised financial advice. The numbers on this page are based on the inputs you supplied and the regulatory rules in effect when this page was last reviewed. They are not a recommendation to buy, sell, hold, port, or surrender any specific financial product. Consult a SEBI-registered investment advisor, a qualified tax professional, or a licensed insurance broker before acting on a financial decision involving your money.
Artha Engine is an educational decision-support website. We do not offer loans, sell insurance, distribute mutual funds, provide regulated investment advice, collect loan applications, or receive commissions from banks, insurers, AMCs, brokers, or other financial providers. References to RBI, SEBI, IRDAI, Income Tax Department, or other authorities are source citations only. Artha Engine is not affiliated with, endorsed by, or sponsored by any government authority, regulator, bank, insurer, AMC, or broker. Artha Engine does not charge users fees for using calculators, comparison tools, articles, or financial health scoring. Mailing address: India.
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