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FIRE Calculator

Free FIRE calculator for India. Find your financial independence number with the 4% rule and how many years your savings need to reach it, with inflation.

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FIRE calculator

Type an exact amount or move a slider. Your estimate updates as you go.

₹10,000₹5,00,000
₹0₹5,00,00,000
₹0₹5,00,000
5%15%
3%10%

Your FIRE number is 25 times a year's expenses (the 4% rule). Expenses rise with inflation, so the target grows every year you work.

FIRE Number (today)
₹1,50,00,000
Needed in 33 years (with inflation): ₹10,11,24,956
Invested Today
₹10,00,000
Still to Build
₹1,40,00,000
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Financially independent in about 33 years at this pace.

Illustrative estimates based on your inputs and each tool’s assumptions. Investment returns are not guaranteed. Review the methodology below before using a result.

FIRE Calculator in your pocket. All 22 calculators work offline in the free myfw app, next to your expenses and goals.

What is the FIRE Calculator? A FIRE calculator works out the corpus that could fund your expenses for life (25 times a year of expenses) and how long your current savings and investing would take to get there.

How to use the FIRE Calculator

  1. Enter your monthly expenses.
  2. Add what you have invested today and invest each month.
  3. Set an expected return and inflation.
  4. Read your FIRE number and the years to reach it.

Frequently asked questions

What is a FIRE number?

The corpus that can fund your expenses indefinitely. With the 4% rule it is 25 times your yearly expenses.

Is the 4% rule safe in India?

It comes from US market data. With higher inflation in India many planners use 3 to 3.5% (a corpus of 28 to 33 times expenses) for a margin of safety.

Results are estimates based on the inputs you enter, not guaranteed returns or financial advice.