Reviewed by Artha Research·Last updated 8 April 2026
FIRE Calculator
Estimate your financial independence target and whether your current savings plan reaches it by your chosen retirement age.
Inputs
Estimate your FIRE target and how far the current plan gets you.
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
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
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.
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Comparison pages
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