FIRE Calculator
Calculate your Financial Independence, Retire Early number
Your Details
₹10,000₹5,00,000
₹0₹10 Cr
Assumptions
20x60x
Recommended: Set to at least 40x of annual expenses
4%15%
Recommended: Set to ≤ 8% for conservative planning
2%12%
Recommended: Set to at least 6% for realistic planning
Required FIRE Corpus
₹5.75 Cr
Years to Retirement
15 years
Monthly Savings Needed
₹1,09,653
Retirement Projections
Future Expenses (at age 45)
Monthly₹1,19,828
Annual₹14,37,935
Required Corpus₹5.75 Cr
Future Value of Present Corpus₹27.37 L
Additional Corpus Needed₹5.48 Cr
Monthly Savings Required₹1,09,653
What is FIRE?
FIRE stands for Financial Independence, Retire Early. It's a movement focused on extreme savings and investment to retire much earlier than traditional retirement plans allow.
The FIRE Number is the corpus amount you need to accumulate to sustain your lifestyle without active income. It's typically calculated as 25-35 times your annual expenses.
Key Principles:
- Save aggressively (50-70% of income)
- Invest wisely for long-term growth
- Minimize expenses and lifestyle inflation
- Plan for sustainable withdrawal rates (3-4%)
Yearwise Corpus Projection
| Age | Phase | Opening Balance | Contribution / Withdrawal | Growth | Closing Balance |
|---|---|---|---|---|---|
| 30 | Accumulation | ₹5,00,000 | +₹13,15,840 | +₹1,38,950 | ₹19,54,790 |
| 31 | Accumulation | ₹19,54,790 | +₹13,15,840 | +₹3,13,525 | ₹35,84,155 |
| 32 | Accumulation | ₹35,84,155 | +₹13,15,840 | +₹5,09,049 | ₹54,09,043 |
| 33 | Accumulation | ₹54,09,043 | +₹13,15,840 | +₹7,28,036 | ₹74,52,918 |
| 34 | Accumulation | ₹74,52,918 | +₹13,15,840 | +₹9,73,301 | ₹97,42,058 |
| 35 | Accumulation | ₹97,42,058 | +₹13,15,840 | +₹12,47,997 | ₹1,23,05,895 |
| 36 | Accumulation | ₹1,23,05,895 | +₹13,15,840 | +₹15,55,658 | ₹1,51,77,392 |
| 37 | Accumulation | ₹1,51,77,392 | +₹13,15,840 | +₹19,00,237 | ₹1,83,93,469 |
| 38 | Accumulation | ₹1,83,93,469 | +₹13,15,840 | +₹22,86,167 | ₹2,19,95,475 |
| 39 | Accumulation | ₹2,19,95,475 | +₹13,15,840 | +₹27,18,407 | ₹2,60,29,722 |
| 40 | Accumulation | ₹2,60,29,722 | +₹13,15,840 | +₹32,02,517 | ₹3,05,48,079 |
| 41 | Accumulation | ₹3,05,48,079 | +₹13,15,840 | +₹37,44,720 | ₹3,56,08,638 |
| 42 | Accumulation | ₹3,56,08,638 | +₹13,15,840 | +₹43,51,987 | ₹4,12,76,465 |
| 43 | Accumulation | ₹4,12,76,465 | +₹13,15,840 | +₹50,32,126 | ₹4,76,24,430 |
| 44 | Accumulation | ₹4,76,24,430 | +₹13,15,840 | +₹57,93,882 | ₹5,47,34,152 |
| 45 | Retirement | ₹5,47,34,152 | -₹14,37,935 | +₹63,95,546 | ₹5,96,91,763 |
| 46 | Retirement | ₹5,96,91,763 | -₹15,24,211 | +₹69,80,106 | ₹6,51,47,658 |
| 47 | Retirement | ₹6,51,47,658 | -₹16,15,664 | +₹76,23,839 | ₹7,11,55,834 |
| 48 | Retirement | ₹7,11,55,834 | -₹17,12,603 | +₹83,33,188 | ₹7,77,76,418 |
| 49 | Retirement | ₹7,77,76,418 | -₹18,15,360 | +₹91,15,327 | ₹8,50,76,385 |
| 50 | Retirement | ₹8,50,76,385 | -₹19,24,281 | +₹99,78,252 | ₹9,31,30,357 |
| 51 | Retirement | ₹9,31,30,357 | -₹20,39,738 | +₹1,09,30,874 | ₹10,20,21,493 |
| 52 | Retirement | ₹10,20,21,493 | -₹21,62,122 | +₹1,19,83,124 | ₹11,18,42,495 |
| 53 | Retirement | ₹11,18,42,495 | -₹22,91,850 | +₹1,31,46,077 | ₹12,26,96,722 |
| 54 | Retirement | ₹12,26,96,722 | -₹24,29,361 | +₹1,44,32,083 | ₹13,46,99,445 |
| 55 | Retirement | ₹13,46,99,445 | -₹25,75,122 | +₹1,58,54,919 | ₹14,79,79,241 |
| 56 | Retirement | ₹14,79,79,241 | -₹27,29,630 | +₹1,74,29,953 | ₹16,26,79,564 |
| 57 | Retirement | ₹16,26,79,564 | -₹28,93,408 | +₹1,91,74,339 | ₹17,89,60,496 |
| 58 | Retirement | ₹17,89,60,496 | -₹30,67,012 | +₹2,11,07,218 | ₹19,70,00,702 |
| 59 | Retirement | ₹19,70,00,702 | -₹32,51,033 | +₹2,32,49,960 | ₹21,69,99,629 |
| 60 | Retirement | ₹21,69,99,629 | -₹34,46,095 | +₹2,56,26,424 | ₹23,91,79,959 |
| 61 | Retirement | ₹23,91,79,959 | -₹36,52,860 | +₹2,82,63,252 | ₹26,37,90,350 |
| 62 | Retirement | ₹26,37,90,350 | -₹38,72,032 | +₹3,11,90,198 | ₹29,11,08,516 |
| 63 | Retirement | ₹29,11,08,516 | -₹41,04,354 | +₹3,44,40,499 | ₹32,14,44,662 |
| 64 | Retirement | ₹32,14,44,662 | -₹43,50,615 | +₹3,80,51,286 | ₹35,51,45,332 |
| 65 | Retirement | ₹35,51,45,332 | -₹46,11,652 | +₹4,20,64,042 | ₹39,25,97,722 |
| 66 | Retirement | ₹39,25,97,722 | -₹48,88,351 | +₹4,65,25,124 | ₹43,42,34,495 |
| 67 | Retirement | ₹43,42,34,495 | -₹51,81,652 | +₹5,14,86,341 | ₹48,05,39,184 |
| 68 | Retirement | ₹48,05,39,184 | -₹54,92,551 | +₹5,70,05,596 | ₹53,20,52,229 |
| 69 | Retirement | ₹53,20,52,229 | -₹58,22,104 | +₹6,31,47,615 | ₹58,93,77,739 |
| 70 | Retirement | ₹58,93,77,739 | -₹61,71,431 | +₹6,99,84,757 | ₹65,31,91,065 |
| 71 | Retirement | ₹65,31,91,065 | -₹65,41,717 | +₹7,75,97,922 | ₹72,42,47,270 |
| 72 | Retirement | ₹72,42,47,270 | -₹69,34,220 | +₹8,60,77,566 | ₹80,33,90,617 |
| 73 | Retirement | ₹80,33,90,617 | -₹73,50,273 | +₹9,55,24,841 | ₹89,15,65,185 |
| 74 | Retirement | ₹89,15,65,185 | -₹77,91,289 | +₹10,60,52,868 | ₹98,98,26,764 |
| 75 | Retirement | ₹98,98,26,764 | -₹82,58,766 | +₹11,77,88,160 | ₹1,09,93,56,157 |
| 76 | Retirement | ₹1,09,93,56,157 | -₹87,54,292 | +₹13,08,72,224 | ₹1,22,14,74,088 |
| 77 | Retirement | ₹1,22,14,74,088 | -₹92,79,550 | +₹14,54,63,345 | ₹1,35,76,57,883 |
| 78 | Retirement | ₹1,35,76,57,883 | -₹98,36,323 | +₹16,17,38,587 | ₹1,50,95,60,147 |
| 79 | Retirement | ₹1,50,95,60,147 | -₹1,04,26,502 | +₹17,98,96,037 | ₹1,67,90,29,682 |
| 80 | Retirement | ₹1,67,90,29,682 | -₹1,10,52,093 | +₹20,01,57,311 | ₹1,86,81,34,900 |
| 81 | Retirement | ₹1,86,81,34,900 | -₹1,17,15,218 | +₹22,27,70,362 | ₹2,07,91,90,044 |
| 82 | Retirement | ₹2,07,91,90,044 | -₹1,24,18,131 | +₹24,80,12,629 | ₹2,31,47,84,542 |
| 83 | Retirement | ₹2,31,47,84,542 | -₹1,31,63,219 | +₹27,61,94,559 | ₹2,57,78,15,882 |
| 84 | Retirement | ₹2,57,78,15,882 | -₹1,39,53,012 | +₹30,76,63,544 | ₹2,87,15,26,414 |
| 85 | Retirement | ₹2,87,15,26,414 | -₹1,47,90,193 | +₹34,28,08,346 | ₹3,19,95,44,567 |