Lean FIRE
A frugal version — roughly 75% of your stated expenses. A smaller corpus, but it demands a tighter lifestyle with little margin for lifestyle creep.
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What is your number?
Calculated from your real life — including the commitments most calculators ignore.
Basics
Money
Family
Commitments
The basics
Your FIRE number appears the moment you fill these in.
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Rent, food, utilities, EMIs, lifestyle — everything.
Your money
These show how far you already are and what gap remains.
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Mutual funds, equities, FDs, EPF, PPF — everything you've built so far.
Indian equities have historically returned ~10–12% long term. We default to a conservative 10% — adjust if your mix differs.
Your family
Children's education is the most underestimated item in any FIRE plan.
Your commitments
The real-life obligations most FIRE calculators ignore — and where Indian plans usually break.
Medical costs rise faster than general inflation. A dedicated buffer keeps a health emergency from derailing your plan.
Your FIRE profile is ready
Use your real portfolio numbers.
These estimates use assumed market returns. Velthian already tracks your actual XIRR across mutual funds, equities, and fixed income. Create a free account to plug in real data and track progress toward this exact number — month by month.
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Your FIRE number appears here as you fill in the fields.
FIRE calculator for Indian investors
FIRE stands for Financial Independence, Retire Early — the point at which your invested corpus is large enough to cover your living expenses for life, so working becomes a choice rather than a necessity. This free FIRE calculator is built specifically for India: it assumes higher long-run inflation, a more conservative safe withdrawal rate, and the real-life commitments — children's education, support for ageing parents, and healthcare — that generic calculators simply leave out.
Enter a few details above and your number appears instantly. No login, no sign-up, and nothing is stored — the entire calculation runs in your browser.
How your FIRE number is calculated
The classic rule of thumb is the 25x rule: save roughly 25 times your annual expenses and you can withdraw about 4% a year. That figure comes from US studies, and for India it is usually too optimistic. Higher inflation and a younger retirement age mean your corpus must last longer and grow harder, so this calculator defaults to a more conservative 3% safe withdrawal rate — closer to a 33x multiple of annual spending — alongside 6% assumed inflation and a default 10% expected return on Indian equities, which you can adjust in the Money step.
Two numbers matter most. Your today's-money FIRE number is what the corpus is worth in current rupees; the inflation-adjusted figure is what you will actually need on the day you retire, because expenses keep rising until then. The calculator shows both, so you are planning against the real target rather than a misleadingly small one.
Worked example. Say your household spends ₹1,00,000 a month,
or ₹12 lakh a year. At a 3% safe withdrawal rate that is a 33x target, so your
FIRE number in today's money is about ₹4 crore (₹12L ÷ 3%). If you plan to retire
in 15 years, 6% inflation roughly doubles that living cost, so the corpus you will actually need on
retirement day is closer to ₹9.5–10 crore. That gap between today's ₹4 crore and
the inflation-adjusted ₹10 crore is exactly why planning against the real target matters — and the
calculator above works both out for your own numbers, plus any education, parent-support or
healthcare costs you add.
Lean, Regular, Fat and Coast FIRE
Regular & Fat FIRE
Regular FIRE funds your current lifestyle; Fat FIRE (about 150% of expenses) builds room for travel, upgrades and comfort. The calculator lets you toggle between all three.
Coast FIRE
The point where your existing investments will grow into your full FIRE number by your target age without adding another rupee — so future earnings only need to cover today's spending.
Why Indian FIRE plans are different
Most FIRE calculators were written for a Western context. In India, three commitments routinely break an otherwise sound plan, and this calculator models each one explicitly:
- Children's education — engineering, medicine or an overseas degree can run into tens of lakhs or more, and education inflation outpaces general inflation. You can set independent graduation and post-graduation paths (India / US) per child.
- Supporting parents and dependents — many Indian households fund parents' living and medical costs for years. The calculator adds this as a defined support stream.
- Healthcare — medical costs rise faster than headline inflation, so an optional healthcare buffer keeps a single emergency from derailing the plan.
A FIRE number that ignores these obligations can be off by a wide margin. Modelling them up front
is the difference between a plan that survives real life and one that looks good only on paper.
From an estimate to your real number
A calculator works from assumed returns. Your actual progress depends on what your portfolio is really doing — its true XIRR across mutual funds, equities and fixed income, net of tax. Once you know your target, the next step is tracking real data against it.
Track progress toward your FIRE number
Velthian computes your real returns across every asset class and shows how close you are to this exact number — month by month. Read-only access, no trading permissions.
Plan the whole picture
Your FIRE number is strongest when it sits inside a complete view of your wealth and a tax-aware withdrawal strategy. These guides go deeper:
Track all assets & liabilities
See your true net worth across mutual funds, stocks, FDs, property, gold and loans in one dashboard — the base every FIRE plan stands on.
Read the guideTax-loss harvesting in India
Use STCG and LTCG rules and the ₹1.25 lakh exemption to reduce tax drag — every rupee saved compounds toward your number.
Read the guideFIRE calculator India — FAQs
How much money do I need to retire early in India?
A common starting point is 25 times your annual expenses, but for India a more conservative 30–33 times (a 3% safe withdrawal rate) is safer because of higher inflation and a longer retirement horizon. This calculator uses 6% inflation and a 3% withdrawal rate by default, then adds your specific commitments like education and parental support on top.
What safe withdrawal rate should Indian investors use?
The 4% rule comes from US research. For India, many planners prefer a more cautious 3% to 3.5% because inflation has historically run higher and early retirees need the corpus to last several decades. This calculator defaults to 3%.
What inflation and return assumptions does the calculator use?
It defaults to 6% inflation and a 3% safe withdrawal rate for India, with a conservative 10% expected annual return on equities that you can adjust in the Money step. Indian equities have historically returned around 10–12% over the long term.
Does the FIRE calculator account for children's education and parents?
Yes. Unlike most calculators, it lets you add per-child education costs with independent graduation and post-graduation paths (India or US), ongoing support for parents and dependents, a healthcare buffer, and one-off goals like a wedding or home.
What is Coast FIRE?
Coast FIRE is the point at which your existing investments will, on their own, grow into your full FIRE number by your target retirement age — without any further contributions. After reaching it, your future income only needs to cover current expenses.
Is this FIRE calculator free, and is my data stored?
It is completely free with no login required, and the calculation runs entirely in your browser — nothing you enter is sent to a server or stored. This page is educational and is not investment advice; Velthian is not a SEBI-registered investment adviser.