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FIRE calculator
Financial independence means your investments can pay your expenses for life. Find the number, and the age you reach it.
Your FIRE number
FIRE number = Yearly expenses ÷ Safe withdrawal rate
At ₹60,000 a month and a 3.5% withdrawal rate, you need about ₹2.06 crore in today’s money. The calculator grows that target with inflation and grows your investments with your returns until the two meet. With ₹10 lakh invested and ₹40,000 added monthly at 11%, that happens at about 57.
Why 3.5% and not 4%
The well-known 4% rule comes from US data with lower inflation. Indian inflation has run higher, and an early retirement may last 40 years or more, so many planners use 3% to 3.5%.
Getting there sooner
- Spending less helps twice: you save more and need a smaller number.
- Raise your investment every year with your income.
- Keep health insurance separate; one hospital stay can undo years of saving.