FIRE Number Calculator
Your Financial Independence Number
Retire Early in India
Calculate your FIRE Number โ the corpus that generates enough passive income to cover expenses forever. Get monthly SIP target and track your progress to financial freedom.
FIRE Number Calculator
Financial Independence Retire Early โ your magic number to escape the 9-to-5
FIRE Movement โ At a Glance
Key numbers behind Financial Independence, Retire Early in India
FIRE Masterclass
The complete Indian guide to Financial Independence and Early Retirement
The FIRE Formula
Savings Rate is Everything
- Save 10% โ 46 years to FIRE
- Save 25% โ 32 years to FIRE
- Save 50% โ 17 years to FIRE
- Save 70% โ 9 years to FIRE
- Every 10% increase in savings rate shaves years off FIRE timeline
India-Specific FIRE Challenges
- Higher inflation (6โ7%) demands larger corpus
- Healthcare costs rise 12%+ annually
- Family obligations: parents, children for longer
- Limited passive income options post-retirement
- Solution: Conservative 3% SWR + equity growth allocation
The FIRE Portfolio
- Accumulation: 80โ90% equity, 10โ20% debt
- Near FIRE (last 2yr): Reduce equity to 60%
- Post-FIRE: 60% equity, 30% debt, 10% liquid
- Keep 2 years expenses in liquid at all times
- SWP from balanced funds for monthly income
FIRE Pro Tips
Three strategies every FIRE aspirant in India must know
Track Net Worth Monthly โ What Gets Measured Gets Managed
FIRE practitioners who track net worth monthly reach FIRE 2โ3 years faster. Seeing progress motivates higher savings. Use a simple spreadsheet: all assets minus all liabilities = net worth. Compare to FIRE target monthly.
Use 3% SWR India Rule โ Not the Global 4%
The global 4% rule was built for economies with 2โ3% inflation. India averages 6โ7%. Using 3% SWR (33ร annual expenses) provides a much higher probability of corpus lasting 35โ40 years in an Indian inflation environment.
Protect Against Sequence-of-Returns Risk With the Bucket Strategy
A bad market crash in the first 3 years of FIRE is far more dangerous than one 10 years later. Solution: keep 2 years expenses in a liquid fund. This ensures you never sell equity at a loss โ equities can recover while you draw from liquid.
Track Net Worth
Monthly dashboard
Maximize Savings
50โ70% target
Invest in Equity
Index SIP auto
Hit FIRE Number
Transition to SWP
Frequently Asked Questions
FIRE โ Financial Independence Retire Early โ answered for India
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