FIRE Number Calculator

Combine your expenses, current corpus and monthly investing capacity to get a directional timeline for financial independence.

FIRE · Financial independence

Fire Calculator

Estimate how long it may take to achieve financial independence based on your lifestyle, savings and expected returns.

Target FIRE corpus₹ 1,80,00,000Based on ₹ 60,000 / month & 4% rule

Monthly expenses₹ 60,000

Current investment corpus₹ 15,00,000

Monthly investing capacity₹ 40,000

Expected return (p.a.)11%

Withdrawal rate4%

FIRE Milestones

Lean FIRE

Essentials covered

9.8 yrs

₹ 1,26,00,000

Standard FIRE

Current lifestyle

12.3 yrs

₹ 1,80,00,000

Fat FIRE

Luxury freedom

17.7 yrs

₹ 3,60,00,000

Annual expenses

₹ 7,20,000

How to reach FIRE faster

• Invest ₹ 4,000 more/month → 0.5 years faster

• Reduce expenses by 10% → 0.8 years faster

Your FIRE number explained

Lean FIRE focuses on covering essential living costs with minimal lifestyle upgrades.
Standard FIRE maintains your current lifestyle comfortably.
Fat FIRE allows luxury, flexibility, and higher discretionary spending.

At a 4% withdrawal rate, your portfolio typically needs to be about 25× your annual expenses.

Progress to FIRE8.3%

₹ 15,00,000 of ₹ 1,80,00,000

This is a simplified illustration. Inflation, taxes, and real-world risks are not included. Use this as a planning compass, not a guarantee.