Wealth · FIRE
FIRE Calculator — Financial Independence, Retire Early
The inflation-adjusted corpus you need at retirement, whether your current savings get you there, and the monthly number that would close the gap — using the perpetuity model at your real (inflation-adjusted) return rate.
Age & timeline
55 years
25 years to retirement
Today's numbers
6%
11%
Not yet
Short by ₹5.66 Cr
Save ₹1.53 L per month to retire on target at 55
Your FIRE math
Retirement corpus needed (inflation-adjusted)
₹3.43 L monthly expenses at 55 ÷ real return of 4.7%
₹8.73 Cr
Projected corpus at retirement
Current corpus FV ₹31.65 L + SIP FV ₹2.75 Cr at 11% nominal
₹3.07 Cr
Gap / surplus
You are short of the target
₹5.66 Cr
Monthly savings needed to FIRE on target
Raise monthly savings from ₹50,000 to ₹1.53 L
₹1.53 L
Years to FIRE
Never at the current savings rate
Never
Method
This uses the perpetuity model: real return = (1 + nominal) ÷ (1 + inflation) − 1, and corpus needed = annual inflated expenses ÷ real return. True FIRE planning also factors in sequence-of-returns risk and a sustainable withdrawal rate (the 4% rule = 25× annual expenses). This is a planning tool, not tax advice — consult a SEBI-RIA for a personalised plan.
This tool is informational. Retirement adequacy depends on your risk profile, dependants, and tax situation. Consult a SEBI-registered investment adviser for personalised advice.
Hub Guide · Wealth Structuring
Go deeper — the Wealth Structuring hub
FIRE planning sits within a broader wealth picture: trust vs HUF, FEMA and Schedule FA reporting, estate structuring, and the SEBI accredited-investor route — statute-cited.