Calculate your Financial Independence, Retire Early (FIRE) number tailored specifically for Indian economic conditions. This extensive simulation factors in inflation, portfolio compounding, annual savings step-up, post-retirement lifestyle, future lumpsum goals, and multi-tier FIRE targets.
⚙️ Your FIRE Parameters
⏳ Demographics & Timeline
💵 Current Finances
📈 Economic Assumptions
🏖 Lifestyle & Future Milestones
% of current
100% = same lifestyle; 80% = children independent & home paid off.
Estimated extra funds needed beyond regular monthly expenses.
Target FIRE Corpus Needed
₹0
Adjusted for inflation at age 45
Projected Portfolio at Target Age
₹0
From existing wealth + SIP growth
Required Monthly SIP from Today
₹0
To hit target on time with step-up
Year 1 Retirement Expense
₹0
Monthly inflated cost of living
🔥 Your Multi-Tier FIRE Horizons
⛺ Lean FIRE (70% expenses)
Basic Survival
₹0
Strict essentials, no luxury splurges.
🏡 Standard FIRE (100%)
Target Lifestyle
₹0
Complete current standard of living maintained.
🚀 Fat FIRE (130% expenses)
High Comfort
₹0
Frequent travel, premium healthcare & upgrades.
🏖 Coast FIRE (at Age 60)
Status
₹0
Corpus needed today to retire at 60 without saving another ₹.
📊 Year-by-Year Wealth & Retirement Trajectory
Simulated through Life Expectancy| Age | Year | Phase | Annual Savings / Drawdown | Opening Portfolio | Investment Returns | Closing Portfolio |
|---|
💡 Safe Withdrawal Rate (SWR) in India
The popular US “4% Rule” (from the Trinity Study) does not directly apply to India because Indian retail inflation (6%-7%) is significantly higher than mature economies.
- Recommended SWR for India: 3.25% to 3.50% provides safety against sequence-of-returns risk and unexpected medical inflation.
- Longevity Buffer: If retiring before age 45, plan for a 35 to 45 year retirement horizon. Real post-tax returns must comfortably outpace inflation.
🛡 The 3-Bucket Post-FIRE Strategy
Never keep your entire retirement corpus in equity or fixed deposits. Use a structured 3-bucket cashflow model:
- Bucket 1 (Cash/Liquid – 2-3 Years Expenses): Savings accounts, liquid funds, fixed deposits for immediate stress-free cashflow.
- Bucket 2 (Income/Debt – 4-7 Years Expenses): Arbitrage funds, short-duration debt, conservative hybrid funds.
- Bucket 3 (Growth/Equity – 8+ Years): Nifty 50 Index funds, Flexi-cap funds to beat inflation over decades.
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