See if you're on track to retire early
The app tracks your real corpus against this number, month after month.
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Your Inputs
Output
Your FIRE number
₹3.54 Cr
₹3,54,25,975
Now that you know your FIRE number, know how to achieve it with the 1% Club
Learn MoreAbout FIRE Number
FIRE (Financial Independence, Retire Early) means saving and investing a large share of your income so your invested returns eventually cover your living expenses for life, making paid work optional. For the complete breakdown of why this is harder in India specifically and the full playbook to get there, see our complete guide to FIRE in India.
FIRE (The 4% Rule)
The standard version, sustaining your current lifestyle. Multiply your inflation-adjusted annual expenses by 25, based on the widely cited 4% safe withdrawal rate.
25× annual expensesLean FIRE
A frugal, minimal-expense retirement. Multiply your inflation-adjusted annual expenses by 20 (a 5% withdrawal rate).
20× annual expensesFat FIRE
A high-comfort retirement with no lifestyle compromises. Multiply your inflation-adjusted annual expenses by 50 (a 2% withdrawal rate): you draw only what you need and reinvest the rest, so the corpus keeps replenishing itself.
50× annual expensesCoast FIRE
The amount you need invested today so that compounding alone, with no further contributions, grows it to your full FIRE number by your target retirement age. To retire at 50 but stop actively investing at 45, the amount saved by 45 is your Coast FIRE number; it compounds on its own for the remaining 5 years.
Invest enough today · Let compounding do the restWhat About Barista FIRE?
Barista FIRE isn’t a separate number this calculator computes. It means building a smaller corpus, using your Lean or Standard FIRE number as the reference point, and covering the remaining gap with light part-time or freelance income, rather than funding 100% of your expenses from investments alone. For the detailed India-specific version of this, see our complete guide to FIRE in India.
The 4% Rule and the 25x Rule Are the Same Rule
These read like two separate ideas; they’re not. The 4% rule says you can withdraw 4% of your corpus annually. The 25x rule says your FIRE number is 25 times your annual expenses. Both come from the same arithmetic: 1 ÷ 4% = 25.
Worked Example
Annual expenses of ₹6,00,000 give a standard FIRE number of ₹6,00,000 × 25 = ₹1,50,00,000. For the fully inflation-adjusted version of this calculation, with a real age-based example, see how much money you actually need to retire early in India.
Frequently Asked QuestionsEverything you want to know
How do I calculate my FIRE?
Take your annual expenses and multiply by your target multiple: 20 for Lean, 25 for standard, or 50 for Fat FIRE. That gives you your FIRE number.
How do I calculate my pension amount?
FIRE doesn’t use “pension” in the traditional sense. Once you’ve hit your FIRE number, a 4% annual withdrawal is the standard benchmark for what you can draw each year without depleting the corpus.
How do I calculate my FIRE score?
In this calculator, think of your FIRE score as your current invested corpus shown as a percentage of your FIRE number; ₹30 lakh against a ₹1.5 crore target puts you at 20%.
Which FIRE calculator is the best?
Look for three things: a customisable withdrawal rate instead of a fixed 4%, inflation adjustment rather than today’s expenses used throughout, and separate Lean, standard, and Fat FIRE outputs rather than one number.
What is the 4% rule FIRE?
The benchmark that says you can withdraw 4% of your invested corpus annually without running out of money over a long retirement. It’s the basis for the 25x rule below.
How do I calculate my FIRE number?
Multiply your current annual expenses by your chosen multiple (20, 25, or 50), after adjusting those expenses for inflation up to your target retirement age.
What is the 25x rule for FIRE?
The same rule as the 4% rule, stated the other way round. 1 ÷ 4% = 25, so a 25x corpus and a 4% withdrawal describe the same target.
How do I calculate my FIRE value?
Here, your FIRE value is simply the current rupee value of your invested corpus today, distinct from your FIRE number (your target) and your FIRE score (your progress as a percentage).
This calculator is for educational purposes only and does not constitute financial, investment, or tax advice. Consult a SEBI-registered investment adviser before making retirement decisions.
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