FIRE Calculator

FIRE stands for Financial Independence, Retire Early. The movement is built on the idea of aggressively saving and investing so that your portfolio generates enough passive income to cover your living expenses — letting you retire far earlier than traditional retirement age.

The 4% rule (from the Trinity Study) states that you can safely withdraw 4% of your portfolio each year and it will last at least 30 years. Your FIRE number = Annual expenses ÷ 4% = 25× your annual expenses. A more conservative 3% withdrawal gives 33× annual expenses.

Your savings rate is the single biggest lever for FIRE. Roughly:

• 10% savings rate: ~40+ years to FIRE
• 25% savings rate: ~30 years
• 50% savings rate: ~15–17 years
• 70% savings rate: ~8–9 years

The higher your savings rate, the faster you accumulate the corpus and the less you need (since lower expenses = lower FIRE number).

The 4% rule was derived from US market data over 30+ year periods. For India, where inflation has historically been higher (5–7%), many planners recommend a more conservative 3–3.5% withdrawal rate — implying a corpus of 28–33× annual expenses. The calculator defaults to 4% but you can adjust the rate to see how it affects your FIRE number.

Equity mutual funds (especially index funds and diversified large-cap funds) are the primary wealth-building vehicle for most FIRE aspirants in India due to their long-term return potential and tax efficiency. Once you reach FIRE, you can shift to a balanced portfolio of equity and debt funds. If you ever need liquidity without redeeming, a Loan Against Mutual Funds from Quicklend gives you instant access to funds at low interest while your corpus continues compounding.