Your FIRE plan
One number to aim for, and the monthly investment that gets you there.
Assumptions
Change any number — the whole plan updates instantly.
Growing SIP
Increase SIP with salary
We calculate your required corpus using the 4% Rule, adjusted for inflation over 20 years.
Required FIRE corpus
≈ in today's money · retiring at 45
At your current pace you'll build by 45 — adding ₹2,370/month closes the gap.
How is this number calculated?
Monthly investment
₹2,370 shortfrom all your active SIPs
You're investing 91% of the recommended amount.
What the simulation says
Your FIRE corpus target is ₹4,81,07,032.
Your investments reach ₹4,01,61,729 by retirement.
Increase your SIP by ₹3,000 to retire on time.
At the current rate you'd reach ₹4,01,61,729 by retirement, short of the ₹4,81,07,032 target.
Projected wealth
≈ today
Funding gap
still to build
Final salary
monthly at age 45
Final expense
monthly, after inflation
Your journey to FIRE
You're ₹79.45 L short at 45
At 45 you'd have ₹4.02 Cr of the ₹4.81 Cr you need — invest ₹3,000 more a month to close the gap.
Build wealth
Stay consistent and grow your investments
Financially free
Your investments can cover your lifestyle
Retire on your terms
Live the life you want with financial freedom
Yearly breakdown
Every year of the plan, in numbers.
| Age | Salary | Expense | Monthly Invest | Annual Invest | Net Worth |
|---|---|---|---|---|---|
25 | ₹1,00,000 | ₹50,000 | ₹25,000 | ₹3,00,000 | ₹2,00,000 |
26 | ₹1,08,000 | ₹53,000 | ₹27,500 | ₹3,30,000 | ₹5,29,063 |
27 | ₹1,16,640 | ₹56,180 | ₹30,250 | ₹3,63,000 | ₹9,30,763 |
28 | ₹1,25,971 | ₹59,551 | ₹33,275 | ₹3,99,300 | ₹14,17,436 |
29 | ₹1,36,049 | ₹63,124 | ₹36,603 | ₹4,39,230 | ₹20,03,294 |
30 | ₹1,46,933 | ₹66,911 | ₹40,263 | ₹4,83,153 | ₹27,04,701 |
31 | ₹1,58,687 | ₹70,926 | ₹44,289 | ₹5,31,468 | ₹35,40,471 |
32 | ₹1,71,382 | ₹75,182 | ₹48,718 | ₹5,84,615 | ₹45,32,229 |
33 | ₹1,85,093 | ₹79,692 | ₹53,590 | ₹6,43,077 | ₹57,04,798 |
34 | ₹1,99,900 | ₹84,474 | ₹58,949 | ₹7,07,384 | ₹70,86,659 |
35 | ₹2,15,892 | ₹89,542 | ₹64,844 | ₹7,78,123 | ₹87,10,462 |
36 | ₹2,33,164 | ₹94,915 | ₹71,328 | ₹8,55,935 | ₹1,06,35,101 |
37 | ₹2,51,817 | ₹1,00,610 | ₹78,461 | ₹9,41,529 | ₹1,28,85,777 |
38 | ₹2,71,962 | ₹1,06,646 | ₹86,307 | ₹10,35,681 | ₹1,55,12,028 |
39 | ₹2,93,719 | ₹1,13,045 | ₹94,937 | ₹11,39,250 | ₹1,85,70,493 |
40 | ₹3,17,217 | ₹1,19,828 | ₹0 | ₹0 | ₹2,21,25,894 |
41 | ₹3,42,594 | ₹1,27,018 | ₹0 | ₹0 | ₹2,49,27,703 |
42 | ₹3,70,002 | ₹1,34,639 | ₹0 | ₹0 | ₹2,80,84,335 |
43 | ₹3,99,602 | ₹1,42,717 | ₹0 | ₹0 | ₹3,16,40,727 |
44 | ₹4,31,570 | ₹1,51,280 | ₹0 | ₹0 | ₹3,56,47,511 |
45Retire | ₹4,66,096 | ₹1,60,357 | ₹0 | ₹0 | ₹4,01,61,729 |
About the FIRE calculator
FIRE — Financial Independence, Retire Early — is reached when your investments are large enough that a safe yearly withdrawal covers your living costs forever. This calculator finds that target (your FIRE number), the monthly SIP that gets you there by your chosen age, and a year-by-year picture of the journey.
Everything updates as you type: change your retirement age, expected return, or monthly spending and watch the corpus, readiness bar, and timeline react. Your inputs stay on your device.
The formula
Worked example
What you get
Frequently asked questions
How is my FIRE number calculated?
We take the monthly spending you want after retirement, grow it with inflation until your retirement age, then apply the 4% rule — a corpus of 25× your yearly spending. Withdrawing 4% a year from that corpus has historically outlasted a 30-year retirement.
Do I need an account to use the FIRE calculator?
No. The calculator runs entirely in your browser and saves your inputs locally on your device. Creating a free account only adds cloud sync, so your plan follows you across devices.
What return and inflation assumptions should I use?
Long-run equity-heavy portfolios have averaged 10–12% per year in India (7–10% in the US), and Indian consumer inflation has averaged about 6%. The calculator lets you set both, and being conservative — a lower return, a higher inflation — gives you a safety margin.
What is a Growing SIP (step-up SIP)?
A SIP you increase every year, typically in line with salary growth. Because your biggest contributions come later at a higher base, a step-up SIP can reach the same corpus with a much smaller starting amount.
Is the result guaranteed?
No — it is a projection based on the assumptions you enter, not a guarantee of investment returns. Markets vary year to year. Use it to compare scenarios and set a savings target, and revisit it as your numbers change.