Fire Finance is a free FIRE calculator and all-in-one planner for Financial Independence & Early Retirement. Project your retirement corpus, simulate decades of life, and find the exact SIP, age, and return you need to hit your goal.
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₹1.9 Cr
What ₹10k/mo SIP at 12% becomes in 25 yrs
4%
Safe-withdrawal rate (Trinity Study)
3+
Decades of projection in one screen
100%
Local-first — your data stays yours
What is FIRE?
Build a corpus big enough that 4% of it per year covers your expenses forever. Once your investments out-earn your spending, work becomes optional. That's FIRE.
A taste of your FIRE math
Monthly expenses
₹60,000
Target corpus
₹1.8 Cr
Recommended SIP
₹24k/mo
Retire by
Age 45
These numbers update live inside the app as you change inputs — try the FIRE Calculator after signup.
Everything you need
Eight purpose-built tools that talk to each other. Change a number once, every projection updates.
Corpus target, recommended SIP, year-by-year wealth projection up to age 90.
Track every SIP and lump sum with per-asset return, step-up, and future value.
SIP, lump sum, step-up SIP — chart and table, instant numbers, no spreadsheets.
Assets minus liabilities. Auto-categorized, with history and target tracking.
House, car, kids — inflation-adjusted SIPs to hit any target by any year.
Monte-Carlo-style decade-by-decade simulation of life after retirement.
The smallest tweak — SIP, age, return — that makes your goal feasible.
Save 'aggressive', 'career break', 'baby in 2028' and compare side by side.
Export your full plan as a polished PDF you can share or print.
How it works
6 months of expenses in a liquid fund. Non-negotiable before any equity SIP.
Start a SIP at 20% of take-home into a 60/25/15 large/mid/small-cap mix.
Re-run the FIRE Calculator. Adjust SIP, retirement age, or allocation as needed.
Your data is yours. Encrypted at rest, never sold, never shared.
The app works offline. Sync runs in the background when you sign in.
Every input drives every projection. Change one number, watch the future update.
Sign up free with Google or email. Takes less than a minute.
FAQ
A FIRE calculator estimates the corpus you need to reach financial independence and retire early, plus the monthly SIP to get there — based on your expenses, expected return, and inflation. Fire Finance projects it year by year up to age 90.
A common rule is 25× your annual expenses — the 4% safe-withdrawal rule. For ₹60,000 a month of expenses that is roughly ₹1.8 crore in today’s money. Fire Finance calculates your exact, inflation-adjusted FIRE number.
Multiply your expected annual retirement expenses by 25, then inflate that to your retirement age. Fire Finance does this automatically and recommends the SIP and expected return you need to reach your target.
Yes. The FIRE calculator, investment tracker, goals planner, budget planner, and net-worth tracker are free forever. Pro adds the retirement income simulator, scenario comparison, and branded PDF export.
Yes. Fire Finance works in INR and USD, models SIPs and step-up SIPs across equity, debt, and gold, and uses assumptions suited to Indian investors, including inflation and long-term capital gains.
Yes. The Goals Planner sizes an inflation-adjusted target and the monthly SIP for each goal — house, car, education — so they run in parallel with your retirement plan.