FIRE Calculator (India) – Retirement Corpus, Age & SIP Planner

FIRE Calculator PRO (India)

Plan your Financial Independence with age tracking, tax-adjusted returns, emergency fund validation, and scenario comparison. All calculations run privately in your browser.

✨ PRO Features • Client-side • Privacy First
💡 New: Save scenarios, export reports, track your retirement age!
Quick Start Templates:

📊 Inputs

All values in ₹ unless stated
Personal Information
iYour current age. This helps calculate your retirement age when you achieve FIRE.
yrs
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Current Financial Status
iYour current monthly lifestyle expense in today's rupees (rent/EMI, food, bills, transport, insurance, etc.). Use your real monthly average.
₹
iTotal amount already invested for FIRE (MFs, stocks, PF/PPF/EPF earmarked for retirement, cash reserved for investing). Exclude primary home value and emergency fund.
₹
iAmount you invest every month towards FIRE (SIP). This is added to your corpus monthly.
₹
Return & Growth Assumptions
iExpected long-term annual return during accumulation. This will be adjusted for taxes. 10–12% is common for equity-heavy portfolios (before tax).
%
iAnnual rise in your expenses until you reach FIRE. Lifestyle inflation can be higher than CPI—choose carefully.
%
iHow much you increase your monthly investing every year (often linked to salary growth). Example: 10% means SIP grows 10% each year.
%
iMaximum number of years the calculator will simulate. It will show the first year your corpus reaches the FIRE target.
yrs
iLTCG tax reduces effective returns. Most FIRE portfolios in India use equity MFs, so returns should be adjusted for 12.5% LTCG tax (>₹1.25L gains/year).
Post-FIRE (Retirement) Assumptions
iSWR is the % of your corpus you withdraw in the first retirement year, then increase withdrawals with inflation. Lower SWR = more conservative (3–4% is common).
%
iExpected yearly rise in expenses during retirement. Medical and lifestyle costs can increase faster than headline inflation.
%
iExpected annual return during retirement. Many people shift more to debt, so post-FIRE return is usually lower than pre-FIRE.
%
iHow many years of retirement to simulate withdrawals to test sustainability (e.g., 30–50 years for early retirees).
yrs
iInflation-adjusted grows today's expense by inflation until FIRE. Flat keeps today's expense unchanged (usually underestimates the target).
iStart of month assumes you invest at the beginning (slightly higher results). End of month is more conservative.
⚠️ Disclaimer: Educational tool only. Not financial advice. Markets are volatile; use conservative assumptions and review annually. Consider consulting a SEBI-registered financial advisor.

📈 Results & Analysis

🛡️
Emergency Fund Check
Enter your data to validate emergency fund status
🎯 FIRE Corpus Target
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⏰ Years to FIRE
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💰 Monthly Expense at FIRE
—
💎 Corpus at FIRE
—
👋 Enter your details and click Calculate FIRE to see your projection.
📊 Post-FIRE sustainability test will appear here after calculation.
📈 Accumulation Phase: Corpus Growth vs FIRE Target
Hover to see values • Click legend to toggle
📋 Year-by-year Breakdown
Scroll on mobile • Shows up to first 25 years
YearAgeAnnual InvestEnd CorpusFIRE TargetStatus

❓ FAQ: FIRE Planning in India

What is FIRE corpus and how is it calculated?

We estimate your annual expense at FIRE (typically inflation-adjusted), then divide by SWR. Example: If annual expense is ₹12L and SWR is 3.5%, target ≈ ₹12L / 0.035 = ₹3.43Cr. The PRO version also applies tax adjustments for realistic returns.

What SWR should I use for India?

Many long-term planners use 3%–4% depending on risk tolerance, equity allocation, and retirement length. Lower SWR is more conservative, especially for long post-retirement horizons. Consider healthcare inflation which can be higher.

Why do I need an emergency fund separate from FIRE corpus?

Emergency fund (6-12 months expenses) protects you from dipping into your FIRE corpus during unexpected events (job loss, medical emergency). Keep it liquid in savings/FD. Don't count it toward FIRE corpus.

How does tax adjustment affect my returns?

LTCG tax (12.5% on equity gains >₹1.25L/year) reduces effective returns. If you select LTCG mode, we apply ~1-1.5% reduction to your pre-tax return assumption to account for taxes over the long term.

What are the scenario presets?

Conservative: Lower returns, higher SWR safety (3%), longer horizon. Balanced: Moderate assumptions for average investor. Aggressive: Higher returns, tighter SWR (4%), shorter timeline - requires discipline and higher risk tolerance.

Can I save multiple scenarios?

Yes! Click "💾 Save Scenario" to store your current inputs in browser localStorage. Click "💾 Load Saved" in presets bar to reload. Note: Clearing browser data will erase saved scenarios.

What does sensitivity analysis show?

It tests how small changes in key parameters (±10-20%) affect your FIRE timeline. Helps you understand which inputs have the biggest impact and where to focus your efforts.