Calculate your FIRE number — the corpus needed to retire early and live off investments forever. Uses the proven 4% safe withdrawal rule.
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Every month you delay costs you lakhs in compounding. Pick a platform and set up your first SIP now.
| Provider | Type | Why pick this | |
|---|---|---|---|
GRW Groww Retirement5 Cr+ investors | Platform | Curated retirement-focused MF baskets | Start SIP |
ZER Zerodha Coin0% commission forever | Platform | Direct MFs — zero commission for life | Open Account |
ETM ET Money RetirementBuilt-in goal tracker | Platform | Goal-based retirement planner built-in | Plan FIRE |
KUV KuveraFamily portfolio view | Platform | Family portfolio + tax harvesting | Open Kuvera |
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Using 3.5% (adjusted for India's 6% average inflation) instead of the US 4% rule. Corpus = Annual Expenses ÷ 0.035.
| Monthly Spend | Annual Spend | FIRE Corpus (3.5%) | At 4% (US rule) |
|---|---|---|---|
| ₹30,000 | ₹3.6L | ₹1.03 Cr | ₹90L |
| ₹50,000 | ₹6L | ₹1.71 Cr | ₹1.5Cr |
| ₹75,000 | ₹9L | ₹2.57 Cr | ₹2.25Cr |
| ₹1,00,000 | ₹12L | ₹3.43 Cr | ₹3Cr |
| ₹1,50,000 | ₹18L | ₹5.14 Cr | ₹4.5Cr |
| ₹2,00,000 | ₹24L | ₹6.86 Cr | ₹6Cr |
India's FIRE corpus is 14–15% larger than the US equivalent — the 0.5% withdrawal rate difference adds up significantly over a 30+ year retirement.
Target: ₹1.5Cr
Target: ₹3Cr
Starting earlier is everything — the same ₹3Cr needs ₹31,000/month if you have 20 years, but ₹1.44L/month if you only have 10 years.
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FIRE stands for Financial Independence, Retire Early. The goal is to accumulate enough wealth that investment returns cover all living expenses, allowing you to stop working whenever you choose.
The 4% rule (Trinity Study) says you can safely withdraw 4% of your portfolio annually without depleting it over 30 years. So FIRE corpus = 25× your annual expenses.
For monthly expenses of ₹50,000 (₹6L/year), FIRE corpus = 25 × ₹6L = ₹1.5 Crore. For ₹1L/month expenses: ₹3 Crore. However, inflation and India-specific factors should be considered.
(1) Increase income (skills, promotion, side income), (2) Reduce expenses (higher savings rate), (3) Invest aggressively in equity SIPs, (4) Avoid lifestyle inflation, (5) Pay off debt quickly.
The 4% rule (from the US Trinity Study) may be aggressive for India due to higher inflation of 5-7% vs US 2-3%. Many Indian financial planners suggest a 3-3.5% safe withdrawal rate. At 3%, your corpus should be 33x your annual expenses. Our FIRE calculator uses 4% as default but lets you adjust the withdrawal rate to suit your risk profile.
Lean FIRE means retiring with a minimal corpus covering only basic expenses of Rs 20,000-30,000/month. Fat FIRE means retiring comfortably with lifestyle spending of Rs 1L+/month. Most people target Regular FIRE at Rs 50,000-80,000/month. Do not underestimate lifestyle inflation - build for Fat FIRE with Lean FIRE as the floor.
Coast FIRE means accumulating enough corpus that even without additional contributions, your investments will compound to your full retirement target by retirement age. Example: at age 35, Rs 60L invested at 12% CAGR grows to Rs 5.85 crore by age 65 without any more contributions. Once you reach Coast FIRE, you only need to earn enough for current expenses.
Pre-retirement accumulation phase: 70-80% equity (index funds), 10-15% debt (PPF/NPS), 5-10% gold. Post-retirement distribution phase: reduce equity to 40-60%, increase debt to 30-40%, keep gold at 5-10%. Rebalance annually or when equity drifts beyond 5% of target allocation to maintain the right risk level.
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