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FIRE Calculator India — FIRE Number & Years to FIRE | Hannav

Investment

FIRE Calculator

Calculate your FIRE number and years to financial independence in India — expenses, savings rate, returns, inflation, and safe withdrawal rate.

Calculator Inputs

Enter variables to compute real-time projections

Current Age *

Monthly Expenses (₹) *

Current Investable Net Worth (₹) *

Monthly Investment (₹) *

Expected Return (% p.a.) *

418

Inflation (% p.a.) *

212

Safe Withdrawal Rate (% p.a.) *

2.55

Projections Results

FIRE Number

Years to FIRE

FIRE Age

Monthly FIRE Income

Annual Expenses

Shortfall vs FIRE

Formula & Calculation Logic

Mathematical ModelFIRE = Annual Expenses × (100 / SWR); simulate years until portfolio ≥ inflated FIRE

FIRE number and years-to-FIRE simulation for India.

FIRE in India — What This Calculator Does

Financial Independence, Retire Early (FIRE) uses a safe withdrawal rate (often 4%) so portfolio income can cover expenses. FIRE number = annual expenses × (100 ÷ SWR). This tool then simulates years until your portfolio catches the inflation-adjusted target.

India Assumptions

Defaults use ~6% inflation and ~12% long-term equity-leaning returns — planning assumptions, not guarantees. Account for employer NPS/EPF, family support norms, and medical inflation separately.

Lean vs Fat FIRE

Lean FIRE uses lower expenses (and sometimes a more conservative SWR). Fat FIRE uses a richer lifestyle number. Open Lean/Fat scenario pages under this calculator for prefilled presets.

After You Hit FIRE

Model withdrawals with [SWP Calculator](/calculators/swp-calculator). Many Indian FIREees keep equity exposure and use hybrid funds for monthly cash flow.

Explore [Coast FIRE Calculator](/calculators/coast-fire-calculator) if you want to stop aggressive saving earlier while letting compounding finish the job.

Frequently Asked Questions

It is the investable corpus needed so that withdrawals at your safe withdrawal rate cover annual expenses — often 25× expenses at a 4% rate.

It is a US-origin heuristic. Many Indian planners stress-test 3–3.5% given longevity, medical costs, and equity volatility. Use the SWR slider to compare.

Usually FIRE counts investable financial assets. Primary residence equity is often excluded unless you plan to downsize or rent.

Lean FIRE targets a frugal expense base; Fat FIRE targets a high lifestyle corpus. Both use the same math with different expense (and sometimes SWR) inputs.

The calculator grows your portfolio with returns and contributions each year while inflating the FIRE target, and stops when portfolio ≥ target.

Adjust currency, tax residency, and return expectations. This tool is framed for India-rupee expense planning.

FIRE emphasises earlier independence and SWR. Traditional corpus tools often size for a fixed retirement age and longevity span.

Equity LTCG/STCG and debt fund taxation reduce net income — keep a buffer above the raw FIRE number.

Popular scenarios

Jump into prefilled calculator landings for common Indian amounts, tenures, and ages.

Lean FIRE Calculator India Fat FIRE Calculator India FIRE Calculator Starting at Age 25 FIRE Calculator Starting at Age 30 FIRE Calculator Starting at Age 35 FIRE Calculator Starting at Age 40 FIRE Calculator Starting at Age 45 ₹30,000 Monthly Expenses