Question 1

What is FIRE and how do I calculate my FIRE number?

Accepted Answer

FIRE (Financial Independence, Retire Early) means building enough wealth to live off investment returns without working. FIRE Number = Annual Expenses ÷ Safe Withdrawal Rate. At 4% withdrawal rate: if you spend ₹80,000/month (₹9.6L/year), FIRE Number = ₹9.6L ÷ 4% = ₹2.4 crore. Use our FIRE Calculator to factor in inflation and part-time income.

Question 2

What is the 4% safe withdrawal rule?

Accepted Answer

The 4% rule (Trinity Study) states that withdrawing 4% of your portfolio in Year 1, then adjusting for inflation each year, has historically sustained a portfolio for 30+ years. In India, with 6% inflation and 10% equity returns, some advisors suggest 3–3.5% as safer. Our calculator lets you adjust this rate.

Question 3

How long does it take to achieve FIRE in India?

Accepted Answer

Depends entirely on your savings rate. Saving 10% of income → ~40+ years. Saving 30% → ~25 years. Saving 50% → ~17 years. Saving 70% → ~8 years. The key is the gap between income and expenses, not income level. Use our FIRE calculator to find your personal timeline.

Question 4

How do I use this calculator?

Accepted Answer

Enter your values in the yellow input fields (or drag the sliders). All results update instantly — no submit button needed. Every field has a tooltip explaining what to enter. For the best experience, use realistic numbers from your actual financial situation.

Question 5

Are these calculations updated for FY 2025-26?

Accepted Answer

Yes. All tax-related calculators (Income Tax, HRA, NPS) are updated with FY 2025-26 slab rates including the new regime with ₹75,000 standard deduction and ₹7 lakh rebate. Investment return assumptions reflect current market conditions.

Question 6

Can I save or download my calculator results?

Accepted Answer

You can screenshot your results directly from the browser. For a fully editable, downloadable version with formulas, year-wise projections, and detailed breakdowns, purchase our Excel model packs starting at ₹499 — the same calculation in a professional spreadsheet format.

FIRE Calculator

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