FIRE calculator.

How much you need invested before your money can cover your life, and roughly how long it takes to get there from where you are.

I spend each month₹

I have invested already₹

I add every month₹

Expected return%

Inflation%

Withdrawal rate%

The share of your corpus you spend each year. 4% is the usual starting point, and it is debated.

You need invested

₹1.50 Cr

At this pace you get there in about 15 years.

Your number: ₹1,50,00,000
Time to reach it: 15 years
A year of spending: ₹6,00,000

How it adds up

You spend a year₹6,00,000
divided byA 4% safe draw, so you need₹1,50,00,000
minusYou have already₹5,00,000
thenAdding ₹50,000 a month15 years

What this assumes

Works in today's rupees: the return is adjusted for inflation, so the target does not have to be inflated separately. Assumes your spending stays the same in real terms.

Rules and rates from

Standard compound-growth maths; no official rate involved
A planning rule of thumb, not an official rule

Education only, not investment, tax or legal advice. I am not a SEBI-registered investment adviser.

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