Retirement & FIRE Calculator
Estimate the retirement corpus you need using the traditional 25x-expenses rule or a custom FIRE safe withdrawal rate, and the monthly SIP required to reach it.
Result
What is Retirement & FIRE Calculator?
Planning for retirement or Financial Independence, Retire Early (FIRE) requires balancing multiple economic variables: your current living expenses, expected inflation, the number of years until retirement, expected post-retirement investment returns, and a safe withdrawal rate. This calculator provides dual planning modes: the traditional 25× rule of thumb (derived from the US Trinity Study 4% withdrawal heuristic over a 30-year horizon) and an advanced FIRE mode where you can customize your Safe Withdrawal Rate (SWR) from 2.5% to 5%. In India, where historical inflation has averaged 5%–7% and debt instrument taxation differs from Western markets, the 25× rule is a simplified planning heuristic rather than a universal guarantee. This tool generates hypothetical projections to help you set initial planning targets rather than predicting actual market outcomes.
How to use Retirement & FIRE Calculator
- 1Choose between Traditional retirement (25x annual expenses) or FIRE (custom safe withdrawal rate).
- 2Enter your current age and your planned retirement or FIRE age.
- 3Enter your current monthly living expenses in rupees (₹).
- 4Set your expected annual inflation rate (typically 5%–7% in India) and expected annual investment return (e.g., 10%–12% for an equity-oriented portfolio).
- 5If using FIRE mode, specify your target Safe Withdrawal Rate (e.g., 3.0% to 3.5% for early 40+ year retirements).
- 6Review your years to retirement, total corpus required, and monthly SIP target.
Key features
Dual Planning Paradigms
Supports Traditional Retirement (25x expenses / 4% rule) and custom FIRE Safe Withdrawal Rates (SWR).
Inflation-Adjusted Target Expenses
Compunds your living expenses to retirement age using assumed annual inflation rates.
Real Return Formulation
Incorporates real investment return: Real Rate = ((1 + return) / (1 + inflation)) - 1.
Monthly SIP Accumulation Target
Calculates the exact monthly SIP required to reach your target corpus starting from zero today.
Dynamic Age Horizon
Recalculates years to retirement instantly based on current and target retirement age.
Examples & use cases
Traditional Retirement at 60 (Age 30, ₹50,000/mo, 6% Inflation, 12% Return)
In 30 years, monthly expenses become ₹2,87,175 (annual ₹34.46 Lakh). Corpus needed (25x) is ₹8.62 Crore. Required monthly SIP is ₹26,674.
Early FIRE at Age 42 (Age 27, ₹60,000/mo, 6% Inflation, 12% Return, 3.5% SWR)
Over a 15-year horizon, annual expense reaches ₹20.71 Lakh. At a conservative 3.5% SWR, corpus required is ₹5.92 Crore, requiring a monthly SIP of ₹1,48,740.
Lean FIRE at Age 45 (Age 35, ₹40,000/mo, 5% Inflation, 11% Return, 4% SWR)
With 10 years to go, annual expense escalates to ₹7.82 Lakh. Target corpus at 4% SWR is ₹1.95 Crore, requiring a monthly SIP of ₹88,962.
Frequently asked questions
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