Securing Hannav Ledger...
Securing Hannav Ledger...
Calculate your FIRE number and years to financial independence in India — expenses, savings rate, returns, inflation, and safe withdrawal rate.
Enter variables to compute real-time projections
0
0
0
0
0
0
FIRE = Annual Expenses × (100 / SWR); simulate years until portfolio ≥ inflated FIREFIRE number and years-to-FIRE simulation for India.
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.
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 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.
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.