What is a FIRE number?

The corpus that lets you withdraw a chosen safe withdrawal rate forever. At 4% it is 25× annual spend. At 3% it is about 33.3×.

The Trinity Study is US 60/40 history. India inflation, equity concentration, and rupee sequence risk can argue for a lower SWR. Treat 4% as a starting slider, not a promise.

How is this different from the retirement corpus calculator?

That page solves a finite retirement with SIP catch-up. This page is the classic FIRE multiple — spend ÷ SWR — with optional inflation to the FIRE year.

Does it include EPF, NPS, or PPF?

No. Those are part of the corpus you already have. Subtract them mentally from the number, or use the retirement-corpus gap field.

Runs in your browser · Last updated 7 September 2026

Free FIRE Number Calculator India

Free FIRE number calculator for India. 25× at 4% SWR, or any withdrawal rate, with inflation to the FIRE year. Browser tool — nothing is uploaded.

Annual spend today (₹)Safe withdrawal rate %Inflation % / yearYears until FIRE

Corpus = annual spend × (100 / SWR). A 4% rule is 25× today's spend. Inflation grows spend to the FIRE year, then the same multiple applies. India equity/debt mix and sequence risk are yours to judge. Not advice.

FIRE number today

₹3,00,00,000

Corpus at FIRE year

₹6,03,65,894

Multiple

25.0×

Monthly spend today

₹1,00,000

Spend in FIRE year

₹24,14,636

How to use this tool

Enter today’s annual spend and a withdrawal rate (4% is 25×).
Optionally set inflation and years until you stop working.
Read today’s FIRE number and the inflated corpus at that year.

Worked example

₹1.2 lakh a month (₹12 lakh a year) at 4% is a ₹3 crore FIRE number today. With 6% inflation and 10 years to go, spend at FIRE is about ₹21.5 lakh and the corpus target is about ₹5.4 crore. Pair with step-up SIP or PPF if you are funding the gap.

Frequently asked questions

What is a FIRE number?: The corpus that lets you withdraw a chosen safe withdrawal rate forever. At 4% it is 25× annual spend. At 3% it is about 33.3×.
Is 4% safe in India?: The Trinity Study is US 60/40 history. India inflation, equity concentration, and rupee sequence risk can argue for a lower SWR. Treat 4% as a starting slider, not a promise.
How is this different from the retirement corpus calculator?: That page solves a finite retirement with SIP catch-up. This page is the classic FIRE multiple — spend ÷ SWR — with optional inflation to the FIRE year.
Does it include EPF, NPS, or PPF?: No. Those are part of the corpus you already have. Subtract them mentally from the number, or use the retirement-corpus gap field.
Uploaded?: No.