FIRE Calculator
Find your FIRE number and the age you can retire early, with year-wise projections and a shortfall action plan.
How is FIRE (Financial Independence, Retire Early) Calculated?
FIRE is the point where your investments can sustainably cover your living expenses without needing active income. This calculator projects your invested corpus — growing from your current savings and monthly SIP — and compares it, year by year, against your "FI number": the corpus required to safely withdraw your inflation-adjusted expenses each year.
FI Number = (Annual Expenses × (1 + Inflation)years) / Safe Withdrawal Rate
- Annual Expenses — Your current yearly expenses, before inflation
- Safe Withdrawal Rate — The share of your corpus you can withdraw each year, commonly 4%
Your FIRE age is the first point at which your projected corpus, growing with your monthly SIP, crosses this inflation-adjusted FI number — independent of the retirement age you actually choose. The retirement outlook then checks whether the corpus you'll actually have at your chosen retirement age is enough, and whether it lasts through your life expectancy once you start drawing it down.
Frequently Asked Questions
What is the "4% rule"?
The 4% rule is a rule of thumb suggesting you can withdraw 4% of your retirement corpus in the first year, and adjust that amount for inflation every year after, with a low risk of running out of money over a typical retirement horizon. A lower withdrawal rate (e.g. 3%) is more conservative and needs a larger corpus.
Why are pre- and post-retirement returns different?
Most people shift toward a more conservative, less equity-heavy portfolio after retiring since they can no longer rely on a salary to ride out market downturns. This calculator lets you model a higher growth-focused return before retirement and a more conservative return after.
What if my projected corpus falls short?
The calculator shows the higher monthly SIP needed to close the gap by your target retirement age. You can also push your retirement age out, trim expenses, or aim for a higher expected return to close the same gap.