Calculate your FIRE (Financial Independence, Retire Early) number with India-specific parameters. How much money do you need to never work again? Our calculator factors in Indian inflation (6%), expected investment returns, and your lifestyle to give you a realistic retirement target.
Compare four FIRE strategies: Lean FIRE (minimal lifestyle, 20× expenses), Regular FIRE (comfortable, 25× expenses), Fat FIRE (luxurious, 33× expenses), and Coast FIRE (stop saving, let investments grow). See exactly how many years until you can stop working.
How to Use This Calculator
- Enter your current age, income, and monthly expenses.
- Enter your current savings/investments (all combined).
- Set expected return rate (10% for equity-heavy) and inflation (6% India default).
- Select FIRE type and click “Calculate”.
- See year-by-year projection and all FIRE types compared.
Frequently Asked Questions
What is the FIRE number for India?
Your FIRE number = Annual expenses × 25 (for Regular FIRE using the 4% safe withdrawal rate). If you spend ₹50,000/month (₹6 lakh/year), your FIRE number is ₹1.5 crore. But this doesn’t account for inflation — our calculator projects the inflation-adjusted FIRE number.
Is FIRE realistic in India with 6% inflation?
Yes, but you need a higher savings rate than Western FIRE advocates suggest. With 6% inflation and 10-12% equity returns, the real return is 4-6%. A savings rate of 40-50% can achieve FIRE in 15-20 years. Starting early and investing in equity is key.
How much do I need to retire at 40 in India?
Depends on your lifestyle. For ₹50,000/month expenses (current), accounting for 6% inflation until age 40 and 85 years life expectancy, you’d need approximately ₹3-5 crore. With ₹1 lakh/month expenses, you’d need ₹6-10 crore. Use our calculator for your exact number.