Combine your expenses, current corpus and monthly investing capacity to get a directional timeline for financial independence.
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Estimate how long it may take to achieve financial independence based on your lifestyle, savings and expected returns.
FIRE is a marathon, not a sprint.
💡 Insight: A 4% withdrawal rate is standard, but if you are retiring early (before 45), experts recommend a safer 3% withdrawal rate to ensure your corpus lasts 50+ years.
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.
₹ 15,00,000 of ₹ 1,80,00,000