Should I include my home value in the corpus?
Only if you plan to sell it and live off the proceeds or downsize in retirement. Your primary residence doesn't generate income or withdrawals, so it generally should not count toward your FIRE corpus.
Free FIRE Calculator — No Sign-up Required
Free FIRE Calculator — Find Your FIRE Number & Retirement Age
Enter your monthly expenses, current corpus, monthly investments, and expected returns to instantly calculate your FIRE number and see exactly when you can achieve financial independence and retire early.
🔒 Nothing is stored or shared
✅ 100% free, no sign-up
💻 Runs entirely in your browser
Age
Set to see monthly investment needed
Monthly Expenses in Retirement
₹60,000
Monthly Passive Income in Retirement
₹0
Rental income, dividends, interest — income from assets that continues without active work. Directly reduces the corpus your portfolio must generate.
Current Invested Corpus
₹20,00,000
Monthly Investment / Savings
₹50,000
Expected Annual Return
12.0%
Annual Inflation Rate
6.0%
Safe Withdrawal Rate (SWR)
The % of your corpus you withdraw annually in retirement. 4% is the classic rule; use 3–3.5% for a longer horizon or early retirement.
Your FIRE Number
₹0
FIRE Progress
0%
Current Corpus
₹0
Years to FIRE
—
Retirement Age
—
Retirement Year
—
Complete Your Financial Picture
Track all assets, liabilities, and investments in one place
Your FIRE number is only as accurate as your financial inputs. Use the Net Worth Calculator to enter every asset and liability you own — then come back here with the pre-filled corpus and monthly surplus to get a precise retirement timeline.
How to Calculate Your FIRE Number — Step by Step
1
Estimate your monthly expenses in retirement
Think about what you'd spend each month if you stopped working — housing, food, healthcare, travel, and lifestyle. Use today's values; the calculator adjusts for inflation automatically.
2
Add any passive income that continues in retirement
Rental income, dividends, interest from FDs — any income generated by assets rather than active work. This directly reduces how much your portfolio needs to cover, shrinking your FIRE number. Leave at zero if you have none.
3
Enter your current invested corpus
The total value of liquid investments you already have — mutual funds, stocks, PPF, EPF, FDs. Do not include your home, land, or other illiquid assets that cannot be drawn down in retirement.
4
Enter your monthly investment / savings
How much do you actively invest each month? Include SIP contributions, recurring deposits, and any savings going into market-linked instruments.
5
Set return, inflation, and safe withdrawal rate
Use 12% for equity-heavy portfolios, 6% for inflation, and 4% SWR for standard FIRE. If you plan to retire before 40, consider 3–3.5% SWR for a longer 40–50 year horizon.
6
Read your FIRE number, progress, and retirement date
The calculator shows your FIRE target (net of passive income), how far along you are, and the projected year you'll reach it. Optionally, set a target retirement age to see the exact monthly investment needed.
Age: 30 | Monthly expenses: ₹60,000 | Passive income: ₹15,000 | Corpus: ₹20L | Monthly investment: ₹50,000 | Return: 12% | Inflation: 6% | SWR: 4%
Monthly Expenses₹60,000
Passive Income / mo₹15,000
Effective Monthly Need₹45,000
FIRE Number (today's money)₹1,35,00,000
Real Return (inflation-adjusted)5.66% p.a.
Current Progress15% of FIRE
Retirement Age~43 years
What is FIRE?
FIRE stands for Financial Independence, Retire Early. The goal is to accumulate enough invested wealth that returns plus passive income can cover your living expenses for the rest of your life — giving you the freedom to stop working on your own timeline, not someone else's.
What is a FIRE Number?
Your FIRE number is the invested corpus needed to sustain your lifestyle indefinitely, after accounting for any passive income:
FIRE Number = (Annual Expenses − Annual Passive Income) ÷ Safe Withdrawal Rate
If you have ₹15,000/mo in rental income against ₹60,000/mo in expenses, your portfolio only needs to cover ₹45,000/mo — cutting your FIRE number by 25%. At a 4% SWR, you need 25× the net annual need. This calculator uses inflation-adjusted (real) returns so all projections are in today's purchasing power.
The 4% Rule — Explained
The 4% rule originated from the 1994 Trinity Study, which found that a portfolio of 50–75% equities could sustain 4% annual withdrawals for 30 years across nearly all historical market cycles. For India-based FIRE with a longer 40–50 year horizon, many planners prefer 3–3.5% to add a larger safety buffer.
Real Returns vs Nominal Returns
This calculator uses real (inflation-adjusted) returns and expresses your FIRE number in today's purchasing power. Real return = (1 + nominal) ÷ (1 + inflation) − 1. This avoids the common mistake of projecting a large future corpus but ignoring that ₹1 crore in 20 years buys far less than ₹1 crore today.
Frequently Asked Questions
What return rate should I use for Indian equity?
The Nifty 50 has delivered roughly 12–14% CAGR over long periods. A blended portfolio (equity + debt) typically returns 10–12%. Use conservative estimates — the goal is to never run out of money, not to optimise for the best-case scenario.
Does this account for taxes on withdrawals?
No. Long-term capital gains, dividend income, and debt fund returns are all taxable. Your effective withdrawal will be lower after tax. Factor in a 10–15% tax buffer by targeting a slightly higher FIRE number.
How does passive income affect my FIRE number?
Passive income — rent, dividends, interest, royalties — reduces the amount your portfolio needs to generate each year. Every ₹1 of monthly passive income lowers your FIRE number by ₹300 at a 4% SWR (₹12 annual ÷ 4%). If you build ₹20,000/mo in passive income before retiring, your FIRE number shrinks by ₹60 lakhs. This is why building income-generating assets alongside your investment corpus is a powerful FIRE accelerant.
What is the difference between Lean FIRE, Fat FIRE, and Barista FIRE?
Lean FIRE — retire on a minimal budget (lower FIRE number). Fat FIRE — retire with generous lifestyle spending (higher FIRE number). Barista FIRE — semi-retire with part-time or passive income covering part of expenses, reducing the corpus needed to achieve full financial independence. Use the passive income field above to model any Barista FIRE scenario.
Is my data saved anywhere?
No. All calculations happen in your browser. Nothing is sent to any server or stored.