The FIRE Number is 25× your annual expenses (based on the 4% rule). Adjust your expenses, current savings, and return rate to see your personalized timeline.
Understanding FIRE & Financial Independence
What is the FIRE Number?+
Your FIRE Number is the total investment corpus you need to retire early and live purely off investment returns. It equals 25× your annual expenses, based on the 4% Safe Withdrawal Rate — the finding from the Trinity Study that withdrawing 4% of a portfolio annually has historically sustained withdrawals for 30+ years.
What is the 4% rule?+
The 4% rule, derived from the 1998 Trinity Study, states that you can safely withdraw 4% of your retirement portfolio every year, adjusted for inflation, without running out of money over a 30-year retirement. If your FIRE Number is ₹2 Crore, you can withdraw ₹8 lakh per year (₹66,667/month) indefinitely.
What are the types of FIRE?+
There are several FIRE variants: Lean FIRE (minimal expenses, smaller corpus), Fat FIRE (comfortable lifestyle, larger corpus), Barista FIRE (semi-retire with part-time income), and Coast FIRE (enough invested that growth alone reaches FIRE target without further contributions). This calculator targets traditional FIRE.
How does savings rate affect FIRE timeline?+
Savings rate is the most powerful lever in FIRE. Saving 10% of income may take 40+ years. Saving 50% can get you there in ~17 years. Saving 75% can mean FIRE in under 7 years. The math is dramatic: every extra rupee saved both grows your corpus and reduces the corpus you need (since you're spending less).
Should I account for inflation in my FIRE number?+
Yes — always. ₹6 lakh/year today will cost far more in 15–20 years due to inflation. This calculator computes your inflation-adjusted FIRE number (the corpus needed at your future retirement date), not just your current expenses × 25. The 4% rule naturally accounts for inflation through annual withdrawals adjusting upward.