How do I calculate my FIRE number?

Your FIRE number is typically 25–30x your annual expenses. Use our FIRE Calculator with your monthly expenses, expected returns, and inflation to get a detailed estimate.

What is a good FIRE number for India?

It depends on your lifestyle. For ₹1 lakh/month expenses, a common target is ₹3–3.6 crore. For lean FIRE (₹50k/month), ₹1.5–2 crore may suffice.

Is the FIRE calculator free?

Yes. Our FIRE Calculator is free, requires no signup, and works entirely in your browser. Results can be shared via URL.

FIRE Calculator: How Much Do You Need for Financial Independence?

Your FIRE number is the corpus you need to achieve financial independence—when investment returns can cover your expenses. This page explains the logic and provides a free FIRE calculator for India.

The Math Behind FIRE

The 4% rule suggests you need 25x your annual expenses. If you spend ₹12 lakh per year, you need ₹3 crore. Our calculator refines this with your expected returns, inflation (we use 6% for India by default), and current savings.

Use the FIRE Calculator

Enter your details below. No signup required. Results update as you type. Share your results via the URL.

FIRE Calculator

Calculate how much you need to achieve Financial Independence and Retire Early.

Understanding the Results

Target corpus: The amount you need invested to sustain your lifestyle.
Years to FIRE: How long until you reach that corpus at your current savings rate.
Monthly investment needed: If you want to hit FIRE by a target age, how much to invest each month.

Next Steps

Explore FIRE Movement India, retirement corpus planning, and our Retirement Corpus Calculator and Withdrawal Rate Calculator.