FIRE Calculator
Find your FIRE number, project your corpus to your target retirement age, and see whether you are on track for financial independence — with inflation-adjusted targets and a clear wealth gap.
Guide
FIRE — Financial Independence, Retire Early — is a strategy of saving and investing a high share of your income so that your corpus can eventually cover your living expenses indefinitely. Reaching it gives you the freedom to stop working far earlier than a traditional retirement age, or simply the option to.
Your FIRE number is the corpus that sustainably funds your annual spending — a common rule of thumb is roughly 25 times your yearly expenses, matching a 4% withdrawal rate. This calculator models an aggressive accumulation plan with an optional annual step-up and projects, year by year, how your corpus grows toward that target.
Why it works
Translate your annual expenses into a concrete corpus to aim for, then track your projected progress toward it.
Investing a high share of income both grows your corpus faster and lowers the expenses it must one day cover.
Early, consistent investing gives compounding more time, so most of a FIRE corpus typically comes from growth.
Increasing contributions each year accelerates the timeline, since additional capital compounds for the remaining horizon.
See your corpus in today's purchasing power so your FIRE number reflects real expenses, not a headline figure.
Reaching financial independence gives you the choice to keep working, change careers, or retire early on your terms.
Illustration
A ₹5 lakh head start plus a ₹50,000 monthly investment with a 10% annual step-up at an assumed 12% return over 20 years — the default scenario above. Figures are illustrative, not guaranteed.
| Year | Total Invested | Est. Corpus | Returns |
|---|---|---|---|
| 5 | ₹41,63,060 | ₹57,27,068 | ₹15,64,008 |
| 10 | ₹1,00,62,455 | ₹1,78,97,417 | ₹78,34,962 |
| 15 | ₹1,95,63,489 | ₹4,41,10,372 | ₹2,45,46,883 |
| 20 | ₹3,48,65,000 | ₹9,79,80,063 | ₹6,31,15,063 |
The difference
Explore
Jump to any of the ArthVeda wealth calculators — each powered by the same projection engine.
Knowledge
Common questions about financial independence, the FIRE number, the 4% rule, savings rate, and inflation.
FIRE stands for Financial Independence, Retire Early — a strategy of saving and investing a high share of your income so that your corpus can eventually cover your living expenses indefinitely, giving you the freedom to stop working far earlier than a traditional retirement age.
You model an aggressive accumulation plan — a starting amount plus a monthly investment with an annual step-up — that compounds at your assumed return. The engine projects how your corpus grows year by year toward your financial-independence target, with an optional inflation adjustment showing the value in today's money.
Your FIRE number is the corpus that can sustainably fund your annual expenses. A widely discussed rule of thumb is roughly 25 times your annual spending, which corresponds to a 4% withdrawal rate. Use this calculator to project when your corpus reaches that target.
The 4% rule is a guideline suggesting you can withdraw about 4% of your corpus in the first year of retirement, then adjust for inflation, with a reasonable chance the money lasts decades. It is a starting reference, not a guarantee — your safe rate depends on returns, inflation and how long your retirement lasts.
Your savings rate — the share of income you invest — is the single biggest lever in FIRE. A higher savings rate both grows your corpus faster and lowers the expenses it must eventually cover, so it shortens the time to financial independence dramatically. Raise the monthly contribution above to see the effect.
Compounding means your returns earn their own returns. Early, consistent investing gives compounding more time to work, so a large part of your FIRE corpus typically comes from growth rather than contributions — especially when you add an annual step-up.
Both aim for a corpus that funds your lifestyle without working. FIRE simply targets it much earlier through a high savings rate, which means a longer withdrawal horizon and a larger inflation-adjusted corpus. For a conventional timeline, see the ArthVeda retirement calculator.
Inflation raises your future expenses, so your FIRE number grows over time in nominal terms. With inflation adjustment enabled, the calculator shows your projected corpus in present-day value, helping you set a target that reflects real purchasing power rather than a headline figure.
There is no single correct figure. FIRE plans usually assume long-term equity-like returns during accumulation, but it is prudent to test conservative and optimistic rates and see how sensitive your timeline is. You can change the rate and watch the projection update instantly.
No. The projections are deterministic illustrations based on the constant assumptions you enter and monthly compounding. Real markets and inflation vary year to year, so treat the output as a planning baseline rather than a guarantee, and consult a qualified financial professional for advice.