FIRE Number Calculator India

🏠 Your Lifestyle

📊 Lean FIRE Frugal & minimal

📊 Regular Comfortable life

📊 Fat FIRE Luxury lifestyle

Monthly Expenses (Today)

Current Age

Target Retirement Age

Life Expectancy

Investment & Returns

Expected Return on Investment 10%

💡

Long-term Indian equity mutual fund average ~10-12%. Balanced portfolio ~8-10%.

4% (FD)10% (Equity)18%

Inflation Rate (India) 6%

💡

India's average CPI inflation is ~5-7%. Use 6% as a conservative baseline.

3%6% (avg)10%

Safe Withdrawal Rate 3.5%

💡

How much you withdraw yearly as % of corpus. 3.5-4% is common for India (lower due to longer retirement & higher inflation).

2% (Safe)3.5%6% (Risky)

Current Savings

Current Investments / Savings

Monthly SIP / Investment

🔥

Fill in your details to see
your FIRE number & timeline

🔥 Your FIRE Number

—

🏆 years to financial freedom

Monthly Need at Retirement

—

Inflation-adjusted

Corpus Already Built

—

—% of FIRE number

Still Need to Build

—

— years to close gap

📈 Your FIRE Journey

Progress to FIRE 0%

25%
—

50%
—

75%
—

🔥 FIRE
—

Corpus Growth Over Time

Accumulation Phase

Post-FIRE Withdrawal

📊 Withdrawal Rate Comparison

SWR	FIRE Corpus	Monthly Income	Risk Level

💡 Personalized Insights

🔄 What-If Simulator

Retire Earlier / Later

Age 50

FIRE Number

—

Increase Monthly SIP

₹20k

Reach FIRE In

—

Reduce Monthly Spend

New FIRE Number

—

Higher Investment Return

10%

Years to FIRE

—

Track your FIRE journey in DebtZen

Your FIRE number is just the start. DebtZen tracks your debt payoff, investments, and surplus — all in one private dashboard.

✓

FIRE corpus tracker

✓

Monthly surplus insights

✓

Debt-free date countdown

✓

EMI & expense tracking

✓

Net worth dashboard

✓

100% private, offline

📱 Open in DebtZen App

Free · No signup · Works offline · Android

Your FIRE Number for India