Power Calculators

🔥 FIRE Calculator: Financial Independence, Retire Early

FIRE stands for Financial Independence, Retire Early. Find the corpus you need and the age you can stop working.

By the Power Calculators team Updated

No ratings yet — be the first

Enter details

Log in or create a free account to save your inputs and results, so you don't have to enter them again next time.🔒 No spam, ever. We never sell or share your details, and you can delete your history or account at any time. Privacy policy

Fill in the details and click Calculate to see your results.

Formula at a glance

FIRE Calculator: FIRE number — Yearly expenses ÷ safe withdrawal rate. Example: Age 28, ₹50,000 a month, ₹40,000 SIP → You can retire early in: 18 years
How the FIRE Calculator works: FIRE number — Yearly expenses ÷ safe withdrawal rate

📱 Also in our Android app

This calculator is also in our free app. Sign in with the same account to keep your history in sync.

  • Financial CalculatorEMI, SIP, PPF, NPS, post office schemes and government-employee calculatorsGet it on Google Play

Rate this calculator

Was it useful? A quick star rating helps others — and you can leave a comment too.
Rate it: ★ ★ ★ ★ ★

📘 About the FIRE Calculator

Your FIRE number is the corpus whose safe yearly withdrawals cover your expenses for the rest of your life. Lean FIRE covers a frugal 70% of today's spending; Fat FIRE covers 150%. Coast FIRE is the amount that, left invested with no more saving, grows to your FIRE number by age 60. Barista FIRE is when part-time income covers the gap.

Enter your expenses, investments and monthly saving. The calculator projects your portfolio month by month against a target that grows with inflation, and shows when you reach each type of FIRE.

🧮 Formula

FIRE number
Yearly expenses ÷ safe withdrawal rate
Coast FIRE
FIRE number ÷ (1 + real return)^(60 − age)
Real return
(1 + return) ÷ (1 + inflation) − 1

✏️ Worked examples

Age 28, ₹50,000 a month, ₹40,000 SIP

You enter
Currency₹ Indian rupee
Your age28 years
Monthly expenses50000
Passive income a month (optional)0
Investments today1000000
Monthly investment40000
Raise it every year by7%
Expected yearly return11%
Inflation6%
Safe withdrawal rate3.5%
You get
You can retire early in18 years
At age46
Your FIRE number (today's money)₹1,71,42,857 (1.71 crore)
The same amount at that time₹4,89,31,528 (4.89 crore)
Progress so far5.8%

Retire early in 18 years (at age 46).

US: $4,000 a month, $100k invested

You enter
Currency$ US dollar
Your age30 years
Monthly expenses4000
Passive income a month (optional)0
Investments today100000
Monthly investment2500
Raise it every year by3%
Expected yearly return7%
Inflation3%
Safe withdrawal rate4%
You get
You can retire early in21 years
At age51
Your FIRE number (today's money)$1,200,000 (1.2 million)
The same amount at that time$2,232,353 (2.23 million)
Progress so far8.3%

21 years; FIRE number $1,200,000 (1.2 million).

🧭 How to use this calculator

What you enter

  • Currency
  • Your age (years)
  • Monthly expenses
  • Passive income a month (optional)
  • Investments today
  • Monthly investment
  • Raise it every year by (%)
  • Expected yearly return (%)
  • Inflation (%)
  • Safe withdrawal rate (%)

What you get

  • You can retire early in
  • At age
  • Your FIRE number (today's money)
  • The same amount at that time
  • Progress so far

💡 Before you quit your job

  • Hold 1–2 years of expenses in safe assets to avoid selling in a crash.
  • Buy a family floater health policy and a super top-up.
  • Plan for children's education separately from your FIRE corpus.
  • Test-drive your FIRE budget for a year before leaving work.

❓ Frequently asked questions

What is a good FIRE number for India?

Most Indian FIRE planners use 30–35 times yearly expenses. For ₹6 lakh a year of spending that is ₹1.8–2.1 crore in today's money, plus a separate health-insurance plan.

What is Coast FIRE?

The point where you have enough invested that, even if you never add another rupee, it will grow to your full FIRE number by a normal retirement age. After that you only need to earn enough to cover today's expenses.

What is Lean FIRE and Fat FIRE?

Lean FIRE means retiring on a minimal budget; Fat FIRE means a comfortable or luxurious one. This calculator uses 70% and 150% of your current expenses.

How do I retire early faster?

The biggest lever is your savings rate: saving 50% of income makes FIRE possible in about 15–17 years; 25% takes about 30 years.

🔗 Related calculators