F
Fire Finance

Budget Planner

Where every rupee of your monthly income goes.

Savings rate

Excellent
50%of income saved every month

Top-tier FIRE pace. Keep it up.

Tight <20%Workable 20%Strong 30%FIRE 50%+

FIRE needs monthly

Gap

₹27,370

to retire at age 45

You currently invest ₹25,000 — a ₹2,370 monthly gap.
Open my plan

Where your income goes

Out of ₹1,00,000 each month

Needs50%

₹50,000

Living expenses

Investments25%

₹25,000

Monthly SIPs

Flexible surplus25%

₹25,000

Free for goals & buffers

Quick wins

Shift ₹2,370 from surplus to SIP

Closes your FIRE investment gap and accelerates retirement.

Adjust SIP

₹25,000 surplus available

Allocate it to lifestyle goals — vacations, gadgets, downpayments — without touching your FIRE plan.

Plan goals

You're in the top tier

50%+ savings rate is the FIRE gold standard. Stay consistent and you'll retire well ahead of plan.

Run simulation

About the savings rate calculator

Your savings rate — the share of income you invest — decides your FIRE timeline more than returns, salary, or luck. This planner shows where your income actually goes, scores your savings rate against FIRE benchmarks, and points at the surplus you could put to work.

It reads your income and SIPs from the rest of Fire Finance, so the picture stays live as your plan changes.

The formula

Savings rate = monthly investing ÷ take-home income. The planner splits the rest into essential spending and flexible surplus, so you can see all three shares on one bar.

Benchmarks

20% = solid, 30% = strong, 50%+ = aggressive FIRE. The scale marks each tier so you know exactly where you stand and what the next tier asks of you.

Years-to-FIRE intuition

Starting from zero, a 20% savings rate takes roughly 37 years to FIRE; 50% takes about 17; 70% about 9 (assuming 5% real returns and the 4% rule). Small rate changes move the date by years.

Frequently asked questions

How do I calculate my savings rate?

Divide what you invest or save each month by your take-home income. Earning ₹1,00,000 and investing ₹30,000 is a 30% savings rate. It is the single strongest predictor of how fast you reach financial independence.

What is a good savings rate?

Anything is better than nothing, but as benchmarks: 20% is a solid start, 30% is strong, and 50%+ is the aggressive FIRE zone. At a 50% savings rate you can typically reach financial independence in roughly 17 years starting from zero.

Why does savings rate matter more than returns?

A higher savings rate works twice: you invest more AND you prove you live on less, which shrinks the corpus you need. Moving from 20% to 40% savings can cut a decade off your timeline — no market can reliably do that.

How does this compare to the 50/30/20 rule?

The 50/30/20 rule allocates 50% to needs, 30% to wants, and 20% to savings. It is a fine starting point; FIRE plans usually push the savings share higher. The planner shows your actual split so you can compare against any rule.

Do I need an account?

No. Enter your income and expenses and everything computes in your browser, saved locally on your device. An account only adds cloud sync across devices.