See how many years of saving and investing stand between you and financial independence.
₹1,50,00,000
12.3 Yr
40
FIRE (Financial Independence, Retire Early) is a target corpus large enough that a small, sustainable withdrawal rate — commonly 4% a year — covers your annual expenses indefinitely, without depleting the corpus. This calculator computes your personal FIRE number and projects how many years of saving and investing it will take to reach it.
The path to FIRE is driven almost entirely by your savings rate — how much of your income you invest, not just how much you earn — which is why it's popular among people focused on high, consistent monthly investing rather than income alone.
4% is the most commonly cited 'safe withdrawal rate' from historical market research, though some people use a more conservative 3-3.5% for extra safety.
It depends heavily on your savings rate rather than income level alone — a high savings rate on a modest income can reach FIRE faster than a low savings rate on a high income.
That means your current savings rate and assumed return can't reach your FIRE number within 60 years — try increasing monthly savings, extending your timeline, or reducing target expenses.