FIRE Calculator (Financial Independence, Retire Early)
FIRE - Financial Independence, Retire Early - is the point where your investments are large enough to cover your living expenses indefinitely. This calculator estimates your FIRE number and the age you could reach it, projecting your corpus in today's money (adjusted for inflation).
What you spend each month today - used to size the corpus you need.
The age by which your existing savings alone should reach the FIRE number, with no further investing.
- Corpus (real)
- FIRE target
How to calculate your FIRE number
Your FIRE number is your annual expenses divided by a safe withdrawal rate - the popular 4% rule means you need about 25× your yearly spending. We then grow your current savings plus monthly investments at a real (inflation-adjusted) return until the corpus reaches that target.
FIRE number = Annual expenses ÷ Withdrawal rate (≈ 25× expenses at 4%)Example. With ₹50,000/month expenses and a 4% withdrawal rate, your FIRE number is ₹1.5 crore. Starting with ₹10 lakh and investing ₹30,000/month at a 10% return and 6% inflation, you'd reach it in roughly 22–23 years - around age 53.
What is the 4% rule?
It's a guideline from retirement research suggesting you can withdraw about 4% of your portfolio in the first year of retirement, then adjust for inflation, with a high chance the money lasts 30+ years. A lower withdrawal rate (e.g. 3%) is more conservative and needs a larger corpus.
Why we use real returns
Because your expenses will rise with inflation, this calculator grows your corpus at the inflation-adjusted (real) return. That keeps the FIRE number and the projection in today's purchasing power, so the result is meaningful rather than an inflated future figure.
Frequently asked questions
What is Coast FIRE?
It is the point where your existing investments, left completely alone, would still compound into your full FIRE number by normal retirement age. Once you pass it, further saving is optional - you can take the lower-paid job you actually want, or stop investing entirely, and still land on target. The calculator shows the number and how far above or below it you currently are.
What is the difference between Lean, Fat and Barista FIRE?
They are the same arithmetic with different expense assumptions. Lean FIRE targets a deliberately frugal budget, so the corpus needed is smaller. Fat FIRE assumes a comfortable one and needs considerably more. Barista FIRE sits in between: you build a partial corpus and cover the rest with part-time work, often for health cover. Change the monthly expenses figure above to model any of them.
Is the 4% withdrawal rate safe outside the US?
Treat it as a starting point, not a law. It comes from US market history over a 30-year retirement, and a longer retirement, higher local inflation or a different market history all argue for something lower. Many people planning to retire in their forties use 3 to 3.5% instead. The withdrawal rate input lets you test how sensitive your number is to that choice - it is usually the single biggest lever on the whole plan.
Related calculators
Embed this calculator
Free to use on any site. Please keep the credit link.
<iframe
id="letmecalc-fire-calculator"
src="https://letmecalc.com/embed/finance/fire-calculator"
title="FIRE Calculator"
width="100%"
height="620"
style="border:0;max-width:100%"
loading="lazy"
></iframe>
<p><a href="https://letmecalc.com/finance/fire-calculator" target="_blank" rel="noopener">FIRE Calculator</a> by letmecalc</p>
<script>
(function () {
var f = document.getElementById("letmecalc-fire-calculator");
window.addEventListener("message", function (e) {
if (e.origin !== "https://letmecalc.com") return;
if (!f || e.source !== f.contentWindow) return;
var d = e.data;
if (!d || d.source !== "letmecalc-embed" || d.type !== "resize") return;
if (typeof d.height === "number" && d.height > 0) {
f.style.height = d.height + "px";
}
});
})();
</script>