FIRE — financial independence — is the corpus that pays your expenses from its returns: expenses divided by a safe withdrawal rate. Lean FIRE trims the expenses, fat FIRE pads them. The planner finds the year each target is reached.
Annual expenses today
₹
₹9,00,000 (₹9.00 L)Safe withdrawal rate
%
4% is the classic rule; 3–3.5% is the cautious one for India's inflationInvested so far
₹
₹25.00 LInvesting a month
₹
₹60,000Raising it each year by
%
Expected return
%
Inflation
%
Age now
RESULTS
Lean FIRE₹1.80 crreached in 13 yrs, at 43 · 20× exp
FIRE₹2.57 crreached in 17 yrs, at 47 · 29× exp
Fat FIRE₹3.86 crreached in 22 yrs, at 52 · 43× exp
Monthly income the FIRE corpus pays₹75,000today's money, at the withdrawal rate
Inflation default: India CPI 5.49% (MOSPI, latest print).
Targets rise with inflation each year (the table shows them in the rupees of each year); the corpus grows at 11.0%. A withdrawal rate of 3.50% means the corpus is 29 years of expenses.
Corpus against the three targets
Corpus
FIRE target
Lean FIRE
Year by year
How your corpus builds against each inflation-adjusted target| Age | Corpus | Lean target | FIRE target | Fat target |
|---|---|---|---|---|
| 31 | ₹35,53,673 | ₹1,90,80,000 | ₹2,72,57,143 | ₹4,08,85,714 |
| 32 | ₹47,90,425 | ₹2,02,24,800 | ₹2,88,92,571 | ₹4,33,38,857 |
| 33 | ₹62,36,335 | ₹2,14,38,288 | ₹3,06,26,126 | ₹4,59,39,189 |
| 34 | ₹79,20,889 | ₹2,27,24,585 | ₹3,24,63,693 | ₹4,86,95,540 |
| 35 | ₹98,77,410 | ₹2,40,88,060 | ₹3,44,11,515 | ₹5,16,17,272 |
| 36 | ₹1,21,43,531 | ₹2,55,33,344 | ₹3,64,76,206 | ₹5,47,14,309 |
| 37 | ₹1,47,61,734 | ₹2,70,65,345 | ₹3,86,64,778 | ₹5,79,97,167 |
| 38 | ₹1,77,79,950 | ₹2,86,89,265 | ₹4,09,84,665 | ₹6,14,76,997 |
| 39 | ₹2,12,52,231 | ₹3,04,10,621 | ₹4,34,43,745 | ₹6,51,65,617 |
| 40 | ₹2,52,39,504 | ₹3,22,35,259 | ₹4,60,50,369 | ₹6,90,75,554 |
| 41 | ₹2,98,10,420 | ₹3,41,69,374 | ₹4,88,13,392 | ₹7,32,20,087 |
| 42 | ₹3,50,42,295 | ₹3,62,19,536 | ₹5,17,42,195 | ₹7,76,13,292 |
| 43 | ₹4,10,22,176 | ₹3,83,92,709 | ₹5,48,46,727 | ₹8,22,70,090 |
| 44 | ₹4,78,48,028 | ₹4,06,96,271 | ₹5,81,37,530 | ₹8,72,06,295 |
| 45 | ₹5,56,30,065 | ₹4,31,38,047 | ₹6,16,25,782 | ₹9,24,38,673 |
| 46 | ₹6,44,92,240 | ₹4,57,26,330 | ₹6,53,23,329 | ₹9,79,84,994 |
| 47 | ₹7,45,73,913 | ₹4,84,69,910 | ₹6,92,42,729 | ₹10,38,64,093 |
| 48 | ₹8,60,31,723 | ₹5,13,78,105 | ₹7,33,97,293 | ₹11,00,95,939 |
| 49 | ₹9,90,41,673 | ₹5,44,60,791 | ₹7,78,01,130 | ₹11,67,01,695 |
| 50 | ₹11,38,01,477 | ₹5,77,28,438 | ₹8,24,69,198 | ₹12,37,03,797 |
| 51 | ₹13,05,33,173 | ₹6,11,92,145 | ₹8,74,17,350 | ₹13,11,26,025 |
| 52 | ₹14,94,86,059 | ₹6,48,63,673 | ₹9,26,62,391 | ₹13,89,93,586 |
Assumptions & formula
FIRE number = annual expenses ÷ withdrawal rate (lean × 0.7, fat × 1.5) · inflated each year by (1 + inflation) · the corpus compounds monthly with the SIP rising yearly; the year it first exceeds the inflated target is the year reached- Expenses after FIRE equal today's (inflated); taxes on withdrawals and sequence-of-returns risk are not modelled — a lower withdrawal rate is the usual buffer.
Calculators are for information and planning. Outputs depend on the inputs and assumptions you enter and are not a recommendation to buy, sell or hold any security or product. Streetgains Technologies Private Limited is a SEBI Registered Research Analyst (INH000017082); it is not a loan provider, tax adviser or mutual fund distributor.