FIRE Calculator — Retire Early India

FIRE (Financial Independence, Retire Early) is a lifestyle movement focused on aggressive saving and investing to retire decades before traditional age (60). The goal is to accumulate enough investments that passive income covers all expenses. In India, FIRE typically targets retirement at 40-50 with a corpus of 25-35x annual expenses.

The global '4% rule' doesn't work well for India due to higher inflation (6% vs 2-3% in US). Indian FIRE planners recommend 3-3.5% withdrawal rate. This means you need 28-33x your annual expenses as corpus. Example: ₹6L annual expenses × 30 = ₹1.8 Cr FIRE number.

Assuming ₹50K/month expenses, 6% inflation, retiring at 40 and living till 85: you need approximately ₹4-5 Cr. This accounts for 45 years of inflation-adjusted withdrawals. With ₹1L/month expenses, you'd need ₹8-10 Cr. Start early — even ₹20K/month SIP from age 25 can build this corpus.

Healthcare is the biggest risk for Indian FIRE. No employer insurance after retirement, and medical inflation runs 10-15% annually. Solution: (1) ₹1 Cr health insurance (super top-up costs ₹8-12K/year at 30), (2) Separate medical emergency fund of ₹20-30L, (3) Factor 10% annual healthcare inflation in your FIRE number.