FIRE Calculator — When Can You Retire Early?
Calculate your path to financial independence and early retirement. See your FIRE number target date and required savings rate.
The FIRE movement aims for financial independence by saving 50-70% of income and investing aggressively to build a portfolio 25x annual expenses (the 4% rule). At 25x expenses you can withdraw 4% annually to cover living costs indefinitely. Someone spending $40000/year needs $1000000. Someone spending Rs 50000/month needs Rs 1.5 crore. The key variable is savings rate — saving 50% of income can achieve FIRE in 17 years regardless of income level.
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FIRE Calculator
Key Information
| Parameter | Details |
|---|---|
| 4% Rule | 25x annual expenses = FIRE number |
| Savings Rate 20% | ~37 years to FIRE |
| Savings Rate 50% | ~17 years to FIRE |
| Savings Rate 70% | ~8.5 years to FIRE |
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Use Calculator NowFrequently Asked Questions
What is my FIRE number?
Your FIRE number = Annual expenses x 25. If you spend $60000/year your FIRE number is $1500000. In India if you spend Rs 50000/month (Rs 6 lakh/year) your FIRE number is Rs 1.5 crore. This assumes the 4% withdrawal rate which has historically sustained portfolios for 30+ years. Some conservative planners use 3.5% (28.6x expenses) for extra safety margin.
How long until I can retire early?
It depends almost entirely on your savings rate not your income. At 25% savings rate: approximately 32 years. At 50%: approximately 17 years. At 75%: approximately 7 years. A person earning Rs 1 lakh/month saving Rs 50000/month reaches FIRE faster than someone earning Rs 5 lakh/month saving Rs 50000/month because the high earner needs a larger corpus to maintain their lifestyle.
Does the 4% rule work in India?
The 4% rule was developed using US market data. For India consider using 3-3.5% due to higher inflation (6% vs 2-3% in US) and less mature capital markets. At 3% withdrawal rate your FIRE number becomes 33x annual expenses instead of 25x. Also factor in healthcare costs which are not covered by a public system like in the UK or Canada. A mix of equity (60%) and debt (40%) works well for Indian FIRE portfolios.
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Last updated: March 2026