Free Online Tool

FIRE Calculator for India with the Real Inflation-Safe Number

Find your true financial independence number, built for Indian inflation, not the US 4% rule that leaves Indians short. It inflates your expenses to retirement, applies a safe withdrawal rate, and shows lean, fat, coast and barista FIRE with the monthly SIP to get there.

Expenses inflated to retirement India-safe 3.5% withdrawal Lean, regular and fat FIRE Coast and barista FIRE Monthly SIP to close the gap PDF and WhatsApp share

Inflation-Adjusted FIRE Number and Safe Withdrawal Model

Enter your spending, ages and investments to see your India-safe FIRE number, whether you are on track, and the SIP to close any gap.

What you spend now, the lifestyle you want to sustain.
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yr
When you want to be financially independent.
yr
Include EPF, PPF, NPS, mutual funds, stocks. Exclude your home.
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Equity-heavy portfolios: 10 to 12%. Balanced: 8 to 9%.
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India runs 6 to 7% long-term. This inflates your future expenses.
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3 to 3.5% is India-safe. The US 4% is too high here. Use 3% if retiring young.
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Optional, for Barista FIRE. Leave 0 if you plan to fully stop.
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Enter your details and tap Calculate to see your FIRE number.

What FIRE Means, and Why India Needs Its Own Math

FIRE stands for Financial Independence, Retire Early. The idea is simple and powerful: build an investment corpus large enough that its returns alone can cover your living expenses, so that working becomes optional. Once you reach your FIRE number, the corpus at which this holds true, you are financially independent; you can keep working if you enjoy it, switch to something you love, or stop entirely. The real prize is not idleness but optionality, the freedom to choose how you spend your time without money dictating the answer.

The movement was born in the United States, and with it came the famous 4% rule, and its shorthand, the 25 times rule. The logic is that if you withdraw 4% of your corpus in the first year and adjust for inflation thereafter, historical US market data, chiefly the Trinity Study, suggests your money lasts 30 or more years. Since 4% is one twenty-fifth, your FIRE number is your annual expenses multiplied by 25. This is elegant, memorable, and, for an Indian, dangerously optimistic if applied without adjustment.

The problem is inflation. The 4% rule was calibrated to the United States, where long-run inflation has been around 2 to 3%. India’s inflation is structurally higher, averaging 6 to 7%, which erodes the purchasing power of a fixed corpus far faster. At a 4% withdrawal rate against 7% inflation, a corpus that looks ample can be drained in as little as 20 to 22 years, well short of a retirement that, for someone retiring early, might need to last 40 years or more. Blindly using the 25 times rule in India is one of the most common and serious FIRE planning mistakes.

This is why the Indian FIRE community, and this calculator, use a more conservative safe withdrawal rate of 3 to 3.5%, which translates to a FIRE number of roughly 28 to 33 times your annual expenses rather than 25. The lower rate demands a larger corpus, but it is what allows the money to survive India’s higher inflation over a long early retirement. This tool computes your number at the India-safe rate and shows you, alongside it, what the naive US 4% rule would have suggested, so you can see exactly how much that popular shortcut would have left you short.

The Honest Three-Step Math, and the FIRE Variants

A sound FIRE calculation is three steps, and the first is the one most calculators skip. Step one is to inflate your expenses to your retirement date. Your FIRE number must fund the lifestyle you will have when you retire, not the one you have today, and thanks to inflation those are very different numbers. At 6% inflation, six lakh of annual spending today becomes about twenty-six lakh a year in 25 years. A calculator that simply multiplies today’s expenses by 25 ignores this entirely and produces a number that is far too small. This tool inflates your expenses forward first, so the target is realistic.

Step two is to divide that future annual expense by your safe withdrawal rate, giving the corpus you need. Step three is to work backwards from the corpus to the monthly investment, the SIP, required to reach it from where you are today, given your current portfolio, your investment horizon, and an expected return. This tool does all three: it inflates your expenses, applies the India-safe withdrawal rate to find your FIRE number, and back-calculates the monthly SIP needed to close the gap between your projected corpus and your target. That SIP figure is the single most actionable number a FIRE plan produces.

FIRE is not one destination but several, and the tool shows the main flavours. Lean FIRE is retiring on a frugal, minimalist lifestyle, so a smaller corpus suffices. Regular FIRE sustains a comfortable middle-class lifestyle, the standard target. Fat FIRE funds a premium lifestyle with travel and luxuries, needing a much larger corpus.

Beyond these, two hybrid paths are especially useful. Coast FIRE is the point at which your existing investments, left to compound untouched with no further saving, will grow to your full FIRE number by your target age; once you are coasting, you only need to earn enough to cover your current expenses. Barista FIRE is semi-retirement, where part-time or freelance income covers part of your expenses, so your corpus only needs to fund the rest, dramatically lowering the number and letting you step back from full-time work far sooner.

Understanding these variants changes the FIRE conversation from a single intimidating figure into a set of milestones. You might hit Coast FIRE in your thirties, meaning you can ease off aggressive saving; reach Barista FIRE a few years later, letting you go part-time; and only then, if you wish, press on to full Regular or Fat FIRE. This tool shows all of them for your numbers, so you can see not just the far-off finish line but the nearer, life-changing milestones along the way, and plan the SIP that carries you there.

How the Calculation Works

The tool builds your FIRE plan in four steps.

Step one: inflate your expenses

It takes your current monthly expenses, annualises them, and grows them at your inflation rate over the years until your target FIRE age, to find what your lifestyle will cost each year once you retire. This future expense, not today’s, is the basis for everything, because your corpus must fund your spending in retirement, which inflation will have raised considerably.

Step two: apply the safe withdrawal rate

It divides that future annual expense by your safe withdrawal rate to get your FIRE number, the corpus from which you can withdraw your expenses each year without running out over a long retirement. It uses the India-safe rate you set, defaulting to 3.5%, and also computes the number the US 4% rule would give, so you can see how much larger, and safer, the India-appropriate target is.

Step three: the variants

It then computes the FIRE variants: lean and fat FIRE by scaling the corpus for frugal or premium lifestyles; coast FIRE, by checking whether your current portfolio, compounding untouched, would reach your number by your target age, and if not, how much you would need invested today to coast; and barista FIRE, by reducing the required corpus to reflect any part-time income you expect in retirement.

Step four: project your corpus and the SIP gap

Finally it projects what your current portfolio and monthly SIP will grow to by your target age at your expected return, compares that against your FIRE number to tell you whether you are on track, and if there is a gap, back-calculates the monthly SIP you would need to close it. This turns the plan into a concrete action: the amount to invest each month to reach financial independence on schedule.

FIRE Numbers, Rates and Variants

These reference points explain the assumptions and the variants. Returns and inflation are assumptions; adjust them to your own view.

Safe withdrawal rate and the multiplier

Withdrawal rateFIRE number
4% (US rule)25x annual expenses, risky in India
3.5% (India-safe)About 28.5x annual expenses
3% (very conservative)About 33x, for young retirees

The FIRE variants

VariantWhat it means
Lean FIREFrugal lifestyle, smaller corpus
Regular FIREComfortable lifestyle, standard target
Fat FIREPremium lifestyle, much larger corpus
Coast FIREExisting corpus coasts to the goal, no more saving
Barista FIREPart-time income covers part of expenses

Typical assumptions for India

AssumptionTypical range
Inflation6 to 7% long-run
Pre-retirement equity return10 to 12% nominal
Post-retirement return8% nominal
Time to FIRE at 50% savings rateAbout 15 to 17 years
Time to FIRE at 70% savings rateAbout 8 to 10 years

Three Worked Examples From Real Planners

Here are three people using the tool to plan their financial independence.

Aditya sees the US rule fall short in Bengaluru

Aditya, thirty and in Bengaluru, spends sixty thousand a month and wants to reach FIRE by fifty. He had read about the 25 times rule and assumed his number was twenty-five times his current annual expenses, a little under two crore. On the tool, two things corrected him. First, inflating his expenses to age fifty at 6% raised his annual spending far above today’s, lifting the target sharply. Second, applying the India-safe 3.5% rate rather than the US 4% raised it further. His real FIRE number came out well above his back-of-envelope figure, and the tool showed exactly how much the naive 4% rule had understated it. Aditya recalibrated his SIP upward, glad to have learned this at thirty rather than at fifty.

Meera discovers she is already coasting in Pune

Meera, thirty-eight in Pune, had built a substantial portfolio through years of disciplined investing and wondered whether she still needed to save so aggressively. On the tool, she found she had reached Coast FIRE: her existing corpus, left to compound untouched until her target age of fifty-five, would grow to her full FIRE number on its own, without another rupee invested. This was liberating. Meera realised she no longer needed to save for retirement at all, only to cover her ongoing expenses, which freed her to reduce her work hours, take a lower-paying but more fulfilling role, and spend more time with her family, years earlier than she had thought possible.

Rahul plans Barista FIRE in Chennai

Rahul, forty-two in Chennai, wanted to leave his high-stress corporate job but was not ready to stop working entirely. On the tool, he modelled Barista FIRE: he expected to earn about thirty thousand a month from part-time consulting in semi-retirement. Entering that, the tool showed his required corpus dropped dramatically, because his investments now only needed to fund the portion of expenses his part-time income did not cover. His Barista FIRE number was far lower than full FIRE, and within reach in just a few years. Rahul planned his exit accordingly, using the tool to see how part-time income transformed an intimidating full-FIRE target into an achievable near-term goal.

Six Tips for Planning FIRE in India

Never use the raw 4% rule

Built for US inflation, it under-provides for India. Use a 3 to 3.5% withdrawal rate, giving a larger corpus that survives 30 to 40 years.

Inflate your expenses first

Your corpus must fund future, not today’s, spending. At 6% inflation, expenses can quadruple over 25 years. Plan for the future figure.

Your savings rate is everything

Not your income, your savings rate drives time to FIRE. Saving 50% gets you there in about 15 years; 70% in under 10.

Keep a separate health corpus

India has no universal healthcare. Build a dedicated medical fund and insurance on top of your FIRE number, or one bad illness can derail it.

Treat kids’ goals separately

Education and marriage are large, separate goals, not part of your FIRE corpus. Fund them apart, or your retirement money will be raided.

Guard against sequence risk

A market crash in your first retirement years is the biggest danger. Hold a cash buffer of two to three years and trim withdrawals in down markets.

Quick Reference: FIRE

QuestionAnswer
What is the FIRE number?Future annual expenses divided by the safe withdrawal rate
Is the 4% rule safe in India?No, use 3 to 3.5% for higher inflation
What multiplier should I use?About 28 to 33 times annual expenses
What is Coast FIRE?Existing corpus coasts to the goal, no more saving
What is Barista FIRE?Part-time income cuts the corpus you need
What matters most for speed?Your savings rate

Frequently Asked Questions on FIRE

What is a FIRE number?
Your FIRE number is the size of investment corpus at which the returns can sustainably cover your living expenses, so that you no longer need active income from work. It is calculated as your annual expenses in retirement divided by your safe withdrawal rate. At a 4% withdrawal rate this equals 25 times your annual expenses; at the more conservative 3.5% rate appropriate for India, it is about 28.5 times; at 3%, about 33 times. Crucially, the expenses in this calculation should be your expenses at retirement, inflated from today’s level, not today’s expenses, because inflation will have raised your cost of living considerably by the time you retire. Once your corpus reaches your FIRE number, you are financially independent: you can keep working by choice, switch to something you love, or stop entirely, because your money can support your lifestyle on its own. This tool computes your FIRE number using the honest, inflation-adjusted method.
Why isn’t the 4% rule safe for India?
The 4% rule comes from US research, chiefly the Trinity Study, based on American market and inflation data, where long-run inflation has averaged around 2 to 3%. India’s inflation is structurally much higher, around 6 to 7%, which erodes the purchasing power of a fixed corpus far faster. When you withdraw 4% a year and increase the amount by 6 to 7% each year for inflation, the corpus is drawn down much more aggressively than the rule assumes, and it can be exhausted in as little as 20 to 22 years rather than lasting the 30-plus years the rule promises, let alone the 40 years an early retiree may need. For India, a safe withdrawal rate of 3 to 3.5% is recommended, which requires a larger corpus, about 28 to 33 times annual expenses instead of 25, but which survives long retirements against high inflation. Using the raw 4% rule in India is one of the most dangerous FIRE planning mistakes, which is why this tool defaults to the India-safe rate and shows how much the 4% rule would have left you short.
What is a safe withdrawal rate?
The safe withdrawal rate, or SWR, is the percentage of your retirement corpus you can withdraw in the first year, then adjust upward for inflation each subsequent year, without a significant risk of running out of money over your retirement. It is the inverse of the FIRE multiplier: a 4% SWR means 25 times expenses, a 3.5% SWR means about 28.5 times, a 3% SWR means about 33 times. The right rate depends on your inflation environment, your investment returns, how long your retirement will last, and how much risk you are willing to bear. Because India has higher inflation and more volatile markets than the US, and because early retirees face very long retirements, a lower SWR of 3 to 3.5% is prudent, with 3% appropriate for those retiring very young or who want maximum safety. A lower SWR means you need a bigger corpus, but it dramatically reduces the risk of depleting your savings. This tool lets you set your SWR and shows how it changes your required corpus.
Why must I inflate my expenses?
Because your FIRE corpus must fund the lifestyle you will have when you retire, and inflation will have made that considerably more expensive than your lifestyle today. This is the single most overlooked step in FIRE planning, and calculators that simply multiply your current expenses by 25 get it badly wrong. Consider six lakh of annual spending today: at 6% inflation, in 25 years that same lifestyle will cost about twenty-six lakh a year. If you built your FIRE number on today’s six lakh, you would target a corpus far too small to actually support you in retirement. So the correct first step is to grow your current expenses at your expected inflation rate over the years until retirement, and use that future figure as the basis for your FIRE number. This tool does exactly that, inflating your expenses to your target FIRE age before applying the withdrawal rate, so your target reflects what your life will really cost when you get there, not what it costs now.
What is the difference between lean, regular and fat FIRE?
These three flavours of FIRE reflect different lifestyle ambitions in retirement, and therefore different corpus sizes. Lean FIRE means retiring on a frugal, minimalist lifestyle, keeping expenses low, perhaps in a smaller city, so a relatively modest corpus suffices; it offers the fastest route to independence but leaves little cushion for surprises. Regular FIRE, the standard target, sustains a comfortable middle-class lifestyle similar to your current one, needing the classic corpus of roughly 28 to 33 times expenses at India-safe rates. Fat FIRE means retiring with a significantly upgraded, premium lifestyle, with generous travel, hobbies and luxuries, which requires a much larger corpus, often around 50 times expenses. The right choice depends on the life you want and how long you are willing to work to fund it: lean FIRE frees you soonest but on a tight budget, fat FIRE demands far more but buys an affluent retirement. This tool shows all three for your numbers, so you can weigh the trade-off between the lifestyle you want and the corpus, and years of saving, it requires.
What is Coast FIRE?
Coast FIRE is the milestone at which your existing invested corpus, left to compound on its own with no further contributions, will grow to your full FIRE number by the time you reach your target retirement age. Once you have reached Coast FIRE, you no longer need to save for retirement at all; your existing investments will get you there through compounding alone. You still need to earn enough to cover your current living expenses, but the pressure to save aggressively for the future is gone. This is a liberating milestone, often reached years before full FIRE, because it relies on the power of compounding over the remaining years. Reaching Coast FIRE in your thirties or forties can free you to reduce your work hours, take a more fulfilling but lower-paying job, or take a career break, knowing your retirement is already secured. This tool checks whether you have reached Coast FIRE, and if not, tells you how much you would need invested today to coast to your number by your target age.
What is Barista FIRE?
Barista FIRE is a hybrid form of financial independence in which you semi-retire, covering part of your expenses with part-time or freelance income and the rest from your investment corpus. The name comes from the idea of working a low-stress part-time job, such as a barista, that also provides benefits, while your investments do the rest. Because your corpus only needs to fund the portion of expenses your part-time income does not cover, the required corpus is much smaller than for full FIRE, which means you can step back from demanding full-time work far sooner. For example, if your retirement expenses are twenty-four lakh a year and part-time work brings in twelve lakh, your corpus only needs to generate the remaining twelve lakh, roughly halving your FIRE number. Barista FIRE suits people who do not want to stop working entirely, or who enjoy some work, but want to escape the intensity of a full-time career. This tool computes your Barista FIRE number when you enter the part-time income you expect, showing how much easier the target becomes.
How much do I need to retire early in India?
It depends entirely on your expenses, since your FIRE number is your inflated annual expenses divided by your safe withdrawal rate. As a guide, at the India-safe 3.5% rate you need about 28.5 times your annual retirement expenses. For monthly expenses of fifty thousand today, growing with inflation, a person retiring in 20 to 25 years might need a corpus of several crore in future rupees. The classic Indian FIRE ranges often cited are two to five crore for a comfortable middle-class early retirement, but these figures depend heavily on your lifestyle, your city, how early you retire, and inflation, so they are only rough anchors. The honest answer requires running your own numbers: your actual expenses, inflated to your retirement date, divided by a safe withdrawal rate, plus separate provisions for healthcare and any family goals. This tool does that calculation for your specific situation, which is far more reliable than any generic crore figure, because two people with very different lifestyles will have very different FIRE numbers even at the same age.
How does my savings rate affect when I can retire?
Your savings rate, the percentage of your income you invest, is the single most important factor in how quickly you reach FIRE, more important than your income itself. This is because a higher savings rate does two things at once: it builds your corpus faster, and it lowers the expenses your corpus needs to support, since you are living on less. As a rough guide, saving 10% of your income might take around 40 years to reach FIRE; saving 25%, about 32 years; saving 50%, around 15 to 17 years; and saving 70%, just 8 to 10 years. The relationship is powerful and somewhat counterintuitive: two people on very different incomes but the same savings rate reach FIRE in roughly the same number of years, while two people on the same income but different savings rates reach it decades apart. So the fastest lever you control is not earning more, though that helps, but spending less relative to what you earn. This is why the FIRE movement emphasises frugality and a high savings rate above all.
Should I include my house in my FIRE corpus?
Generally no, at least not your primary residence, because it is not a liquid, income-generating asset. You live in your home; it does not pay you an income you can withdraw to cover expenses, and you cannot easily sell a part of it to fund your grocery bills. So your primary residence should be excluded from your FIRE corpus, which should consist of investments that can actually generate the returns you will live on, such as mutual funds, stocks, EPF, PPF, NPS and similar. There are two nuances. A second property held for rental income can be included, valued conservatively at its market value minus any outstanding loan, since it generates income, though property is illiquid and management-heavy. And owning your home outright does reduce your expenses, since you pay no rent, which lowers your FIRE number indirectly. But the house itself is not part of the corpus you draw down. This tool asks for your investment portfolio, so enter your investable assets and exclude the home you live in for an accurate FIRE number.
What is sequence-of-returns risk?
Sequence-of-returns risk is the danger that poor investment returns early in your retirement permanently damage your portfolio’s ability to last, even if average returns over the whole period are fine. The order in which returns occur matters enormously for a retiree who is withdrawing money. If the market falls sharply in your first few retirement years, you are forced to sell investments at low prices to fund your expenses, locking in losses and leaving less capital to recover when markets rebound, which can cause the corpus to run out years earlier than planned. The same average return with good years first and bad years later would leave you far better off. This risk is especially acute for early retirees, who have long retirements and may be more equity-heavy. To manage it, hold a cash or debt buffer of two to three years of expenses so you need not sell equities in a downturn, consider withdrawing less in years when markets are down, and keep some flexibility in your spending. This tool’s projections assume steady returns, so treat sequence risk as a real-world caution the smooth numbers do not capture.
Does the FIRE number account for taxes?
The FIRE number this tool computes is based on your gross expenses and a gross withdrawal from your corpus; it does not separately model the tax you will pay on your withdrawals, which depends on the composition of your corpus and the tax rules at the time. In practice, withdrawals from different sources are taxed differently: long-term capital gains on equity are taxed at 12.5% above the annual exemption, debt fund gains at your slab, EPF and PPF withdrawals are largely tax-free, and NPS has its own rules. Because your effective tax rate in retirement is usually low, especially if you manage withdrawals to use exemptions and stay in lower slabs, many planners build a modest buffer into the corpus rather than modelling tax precisely. A prudent approach is to add a margin to your FIRE number, or to plan your withdrawals tax-efficiently, harvesting long-term gains within the exemption, drawing tax-free sources first, and spreading withdrawals to minimise slab impact. So treat the tool’s figure as a pre-tax target and add a cushion for taxes and for the unexpected, rather than assuming the number is exactly what you will spend.
How do I actually reach my FIRE number?
Reaching your FIRE number comes down to a high savings rate invested consistently in growth assets over time, and this tool gives you the specific monthly figure to aim for. The mechanics are: maximise your savings rate by living well below your means and avoiding lifestyle inflation as your income rises; invest those savings regularly, typically through SIPs into equity mutual funds for the long growth phase, since equity has historically delivered the returns needed to outpace inflation; use tax-efficient wrappers like EPF, PPF, NPS and ELSS where they fit; and stay the course through market ups and downs, since consistency and time in the market matter more than timing. This tool back-calculates the exact monthly SIP you need, given your current portfolio, your horizon and an expected return, to reach your FIRE number on schedule, turning the abstract goal into a concrete monthly action. As your income grows, step up your SIP; even small annual increases dramatically shorten the journey. The plan is simple in principle, save a lot, invest it well, be patient, though it demands real discipline in practice.
Is FIRE realistic in India?
Yes, FIRE is achievable in India, and many Indians have reached it, though it demands discipline and the right expectations. India actually offers some advantages for FIRE: a lower cost of living than Western countries, so a given corpus stretches further; strong long-term equity returns historically; and the possibility of geographic arbitrage, earning in a metro or abroad and retiring to a lower-cost city or town. Many single-income Indians have reached FIRE by their mid-forties to fifties with corpuses of two to five crore. The challenges are equally real: higher inflation demands a larger corpus and lower withdrawal rate; the absence of universal healthcare means a separate medical provision is essential; and strong family obligations, children’s education and marriage, ageing parents’ care, add goals that Western FIRE frameworks ignore and that must be funded separately. So FIRE in India is realistic for those with a high savings rate and honest, India-specific planning, but not by naively copying US rules of thumb. This tool is built for the Indian reality, which is the first step to a plan that actually holds.
What other goals should I plan separately from FIRE?
Several major expenses should be planned and funded separately from your FIRE corpus, because folding them in either understates your FIRE number or, worse, leads you to raid your retirement money for them. The big ones in the Indian context are children’s higher education, which can run to forty or fifty lakh per child for professional degrees or study abroad, and children’s marriage, often fifteen to twenty-five lakh per child; these are large, dated goals best funded through their own dedicated investments. A parental medical contingency, a corpus of twenty-five to fifty lakh to cover ageing parents’ hospital bills if not fully insured, is another line item that derails many Indian FIRE plans when overlooked. Your own health corpus and comprehensive medical insurance are essential given the lack of universal healthcare. And any large one-off goals, a home purchase, a big trip, starting a business, should have their own provisions. The principle is that your FIRE number should cover your ongoing living expenses in retirement, while these separate, lumpy goals are funded by separate pots, so that reaching FIRE does not leave you scrambling for money you assumed was for retirement.
Are the results from this tool accurate?
The calculations are accurate for the inputs and assumptions you provide, using the honest three-step method: inflating your expenses to retirement, applying your chosen safe withdrawal rate to find the corpus, and back-calculating the required SIP. The variants, lean, fat, coast and barista, and the projection of your current portfolio and SIP, all follow standard financial mathematics. What no calculator can do is predict the future, and FIRE planning spans decades, so the results are projections, not guarantees. They depend on assumptions that are inherently uncertain: your investment returns over 15 to 30 years, the path of inflation, the sustainability of the withdrawal rate through market cycles, and your own future expenses and life changes. The tool also does not model taxes precisely or capture sequence-of-returns risk, healthcare shocks, or separate family goals, all of which you should provision for on top. So use the tool to build a well-grounded, India-appropriate plan and to see how the levers, savings rate, retirement age, withdrawal rate, interact, but revisit it regularly, keep conservative assumptions, add buffers, and consult a SEBI-registered adviser for a plan this consequential.

Related Calculators You May Find Useful

🏦Retirement CorpusThe nest egg for a normal retirement age. 📈SIP CalculatorProject the SIP that gets you to FIRE. 💰Step-Up SIPGrow your SIP each year to reach FIRE sooner. 📉Inflation CalculatorSee the real future cost of your lifestyle. 🏢PPF CalculatorA tax-free part of your FIRE corpus. 🎃NPS CalculatorThe retirement scheme with a tax break. 💵Lumpsum CalculatorProject a one-time investment forward. 🎯Goal-Based SIPPlan a SIP for a separate life goal.

Disclaimer and editorial transparency

This FIRE calculator is a free, independent tool from CalcWise.Finance built for the Indian context. It inflates your current expenses to your target retirement age, applies a safe withdrawal rate, defaulting to the India-appropriate 3.5% rather than the US 4% rule, to find your FIRE number, and computes the lean, fat, coast and barista variants. It projects what your current portfolio and monthly SIP will grow to, tells you whether you are on track, and back-calculates the monthly SIP needed to close any gap.

The calculations use standard financial mathematics and are accurate for the inputs you provide, but they are projections over many years and depend on assumptions, your investment returns, inflation, and the sustainability of the withdrawal rate, that are inherently uncertain. The tool does not model taxes precisely, sequence-of-returns risk, or separate goals such as children’s education and marriage, parental medical needs, or your own health corpus, all of which you should provision for on top of the FIRE number.

The India-safe withdrawal rate reduces but does not eliminate the risk of a corpus running short over a long retirement. Use conservative assumptions, keep buffers, revisit the plan regularly, and treat the output as a well-grounded guide rather than a guarantee. The tool is for informational and educational use, not financial advice. Consult a SEBI-registered investment adviser for a plan this important. Nothing here is financial advice.