FIRE Calculator 2026 (Financial Independence, Retire Early)

Calculate your target FIRE corpus, Coast FIRE milestone, and monthly SIP required to achieve early retirement in India.

FIRE Goals & Inputs

Current Age

Yrs

18 Yr60 Yrs

Target FIRE Age

Yrs

31 Yr75 Yrs

Current Monthly Living Expenses

₹

₹10,000₹5.00 L

Current Investments / Net Worth

₹

₹0₹5.00 Cr

Expected Inflation Rate

2%15%

Pre-FIRE Investment Return

6%20%

Safe Withdrawal Rate (SWR %)

2%8%

Target FIRE Corpus at Age 45: ₹3.59 Cr; Provides ₹1.20 L/month inflation-adjusted passive income.

Required Monthly SIP to reach FIRE Target: ₹49,550/mo; Invested over 15 years until age 45.

Lean FIRE (75%): ₹2.70 Cr
Fat FIRE (150%): ₹5.39 Cr
Coast FIRE Today: ₹65.68 L

FIRE Portfolio Growth vs Target Corpus

Year-by-Year FIRE Progress Schedule

Show as

Year 1Age 31
Target Progress (%)
8%
Projected Portfolio
₹28.75 L
Year 2Age 32
Target Progress (%)
10.7%
Projected Portfolio
₹38.59 L
Year 3Age 33
Target Progress (%)
13.8%
Projected Portfolio
₹49.66 L
Year 4Age 34
Target Progress (%)
17.3%
Projected Portfolio
₹62.11 L
Year 5Age 35
Target Progress (%)
21.2%
Projected Portfolio
₹76.12 L
Year 6Age 36
Target Progress (%)
25.6%
Projected Portfolio
₹91.88 L
Year 7Age 37
Target Progress (%)
30.5%
Projected Portfolio
₹1.10 Cr
Year 8Age 38
Target Progress (%)
36%
Projected Portfolio
₹1.30 Cr
Year 9Age 39
Target Progress (%)
42.3%
Projected Portfolio
₹1.52 Cr
Year 10Age 40
Target Progress (%)
49.3%
Projected Portfolio
₹1.77 Cr
Year 11Age 41
Target Progress (%)
57.2%
Projected Portfolio
₹2.06 Cr
Year 12Age 42
Target Progress (%)
66.1%
Projected Portfolio
₹2.38 Cr
Year 13Age 43
Target Progress (%)
76.1%
Projected Portfolio
₹2.74 Cr
Year 14Age 44
Target Progress (%)
87.3%
Projected Portfolio
₹3.14 Cr
Year 15Age 45
Target Progress (%)
100%
Projected Portfolio
₹3.59 Cr

Year	Age	Projected Portfolio	Target Progress (%)
Year 1	Age 31	₹28.75 L	8%
Year 2	Age 32	₹38.59 L	10.7%
Year 3	Age 33	₹49.66 L	13.8%
Year 4	Age 34	₹62.11 L	17.3%
Year 5	Age 35	₹76.12 L	21.2%
Year 6	Age 36	₹91.88 L	25.6%
Year 7	Age 37	₹1.10 Cr	30.5%
Year 8	Age 38	₹1.30 Cr	36%
Year 9	Age 39	₹1.52 Cr	42.3%
Year 10	Age 40	₹1.77 Cr	49.3%
Year 11	Age 41	₹2.06 Cr	57.2%
Year 12	Age 42	₹2.38 Cr	66.1%
Year 13	Age 43	₹2.74 Cr	76.1%
Year 14	Age 44	₹3.14 Cr	87.3%
Year 15	Age 45	₹3.59 Cr	100%

FIRE Corpus Calculation Formula

Standard Formula

Target FIRE Corpus = [Current Monthly Expenses × (1 + Inflation)^Years × 12] / (Safe Withdrawal Rate %)

Live Calculation (Plugging Your Values)

Monthly Expenses (E):₹50,000

Years to FIRE (n):15 years

Future Expenses @ FIRE (FE):₹1.20 L/mo

Safe Withdrawal Rate (SWR):4%

Substituted Equation:

Target Corpus = (₹1.20 L × 12) / 4%

Target FIRE Corpus:₹3.59 Cr

About FIRE Calculator

A FIRE plan answers two questions: how large your investments must be on the day you stop working, and how much you need to invest each month until then. The first depends on what you will spend in a year by that age, and on what share of the corpus you plan to withdraw each year.

This calculator grows today's monthly expenses by your inflation rate up to your FIRE age, and divides that year's expenses by the safe withdrawal rate to get the target corpus. It grows your current investments at the pre-FIRE return and finds the same monthly SIP, every month, that covers the rest. The safe withdrawal rate is an assumption you choose, not a rule or a guarantee: the calculator does not test whether the corpus lasts through retirement, and it does not allow for tax, fund costs or market falls.

How it Works

The calculator asks for:

Current Age and Target FIRE Age: the years between them are the time you have to build the corpus.
Current Monthly Living Expenses and Expected Inflation Rate: what you spend today, and how fast you expect that to rise each year until your FIRE age.
Current Investments / Net Worth: what you have already invested towards this goal. It grows at the pre-FIRE return and reduces the SIP needed.
Pre-FIRE Investment Return: the yearly return you assume until you stop working. The calculator uses no separate return for the years after.
Safe Withdrawal Rate (SWR %): the share of the corpus you plan to withdraw in the first year after FIRE. The lower the rate, the larger the target.

Benefits of using the FIRE Calculator

Expenses in future rupees: the result shows your monthly spending at your FIRE age, which is the figure the corpus has to support.
Three targets side by side: Lean, Regular and Fat FIRE, for a leaner, the same or a fuller lifestyle than today's. The FAQs below explain how each is set.
A Coast FIRE check: if your current investments already reach the Coast FIRE figure, the page shows that no further SIP is needed.
Progress year by year: the chart and table show the projected portfolio and the share of the target reached at each age.

Official Financial Planning References:

AMFI India Mutual Fund Investor Education Guidelines

How these numbers are checked →

FIRE & Early Retirement FAQs

What is FIRE (Financial Independence, Retire Early)?

FIRE means building a corpus large enough that its returns cover your living expenses, making work optional. The standard target is 25× your annual expenses, derived from a 4% safe withdrawal rate.

What is the 4% safe withdrawal rate rule?

It says you can withdraw 4% of your corpus in year one and raise that rupee amount with inflation each year, with a high chance the money outlasts 30 years. It comes from US market history; for India, 3%–3.5% is the more defensible assumption given higher inflation.

What is the difference between Lean, Regular, Fat and Coast FIRE?

On this page, Regular FIRE is your yearly expenses at your FIRE age divided by the withdrawal rate you choose, so 25× expenses at 4%. Lean FIRE is 75% of that target, for a pared-down lifestyle, and Fat FIRE is 150% of it, for a more comfortable one. Coast FIRE is the amount you need invested today so that, with no further contributions, it grows to the Regular target by your FIRE age at the return you entered.

How much corpus do I need to retire early in India?

Plan on 25 to 30 times your annual expenses in your retirement year, sitting at the upper end because retiring early means the money must last longer. At Rs 1,00,000 of monthly expenses today and 6% inflation, expenses 15 years out are about Rs 2.4 lakh a month, or Rs 28.8 lakh a year — so roughly Rs 7.2 crore to Rs 8.6 crore, not the Rs 3 crore that today's expense figure suggests.

How do I cover healthcare before 60 without employer insurance?

This is the part that breaks most early retirement plans. Buy a personal floater well before you quit so the 2 to 4 year waiting periods for pre-existing conditions are already served, and add a super top-up of Rs 25 lakh, which is inexpensive at a Rs 5 lakh deductible. Budget for premiums that roughly double every 10 years as you age, and keep a separate medical reserve outside the corpus for what the policy declines.

How are my withdrawals taxed, and what is sequence-of-returns risk?

Redeeming equity funds gives long-term capital gains taxed at 12.5% above Rs 1.25 lakh of gains a year, so staggering redemptions across financial years uses that exemption twice. Sequence risk is the danger of a market fall in your first few retired years: selling units at depressed prices permanently shrinks the corpus. Hold 3 to 5 years of expenses in debt so you never have to sell equity into a falling market.

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