My Money

FIRE calculator — financial independence, retire early

Financial independence means your investments can pay for your life, so work becomes optional. See your number, your date, and how far along you already are.

Currency
 yrs
₹
What you spend now, excluding EMIs
₹
₹25 lakh
₹
₹50 thousand
 %
FI number = 30× yearly expenses. India studies suggest 3–3.5%.
Returns & growth
 %
 %
 %
₹
Pension, rent, part-time work — lowers your FI number
 yrs
Your FI number
₹2.18 Cr
You could reach it at age 48 — in 18.5 years (₹6.6 Cr in future money)

Where you stand

11%
of your FI number
Lean FI (70%)
₹1.53 Cr
FI
₹2.18 Cr
Fat FI (150%)
₹3.27 Cr
Years of expenses saved
3.5

Race to FI

0₹3.75 Cr₹7.5 Cr₹11.25 Cr₹15 Cr30343842465053FI
Your investmentsFI number

Coast FI

You need ₹86.79 L invested to coast — stop saving and still reach FI by 50. You’re ₹61.79 L away (29% there).

Every ₹5K you trim from monthly spending lowers your FI number by ₹18.18 L — spending less helps twice: you need less, and you save more.
Want to track this for real, month by month? Open My Money — private, no sign-up.
How it’s calculated

The maths, in plain words

FI number

Yearly expenses ÷ safe withdrawal rate. At 3.33% that’s 30× your yearly spending; at 4% it’s 25×.

Your date

Your investments grow at the expected return with monthly additions (rising each year). Your FI number grows with inflation. FI is where the lines cross.

Lean, regular, Fat

Lean FI covers 70% of today’s spending; Fat FI covers 150%. Most people aim somewhere in between.

Coast FI

The amount that, left alone with no further investing, grows into your FI number by a normal retirement age.

Questions

People also ask

Your inputs stay on this device. Use Copy link to save or share a calculation.

How much do I need to retire early in India?
Roughly 30–35 times your yearly expenses if you retire in your 40s, because your money has to last 40+ years with Indian inflation. Spending ₹60,000 a month means about ₹2.2–2.5 crore in today’s money.
Is the 4% rule safe in India?
It’s optimistic. It comes from US data. A 2024 study of Indian markets found 3–3.5% safer, especially for long retirements. Test your own plan with the withdrawal simulator.
What is Coast FIRE?
The point where your existing investments, without any more contributions, will grow into your FI number by a normal retirement age. After that, you only need to earn enough to cover today’s expenses.
Does my house count?
Not towards your FI number — you can’t eat your home. Count only investments you could draw an income from. Paying off the home loan does lower the expenses you need to cover.
Understand it

Related guides

All guides
Plan7 min read

FIRE, explained — and how it works in India

Financial independence in plain words — your FI number, Lean, Fat and Coast FIRE, and the Indian twists that change the maths.

Plan7 min read

Safe withdrawal rate — why 4% may not work in India

Where the 4% rule came from, what Indian data says instead, and how to make a retirement corpus last 30 to 45 years.

Plan

More in Plan

See all

Retirement number

The corpus you need, and the SIP that builds it.

Open

NPS calculator

Your NPS corpus, lump sum and monthly pension at 60.

Open

Safe withdrawal rate

Will your money last? 2,000 simulated retirements tell you.

Open

How much insurance?

The term life cover your family needs, and a sensible health plan.

Open

Rent vs buy

Does buying a home make you richer than renting and investing?

Open

Inflation

What things will cost later — and what your money will be worth.

Open