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FIRE number calculator

How much do you need saved to be financially independent? The 4% rule says your corpus should cover your annual expenses for 25 years of safe withdrawals.

Your inputs

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FI corpus (4% rule)
₹1,80,00,000
= 25 × ₹7,20,000 annual expenses
Remaining to build
₹1,80,00,000
starting from zero
Time to FI
12y 10m
with ₹50,000/mo @ 12% CAGR
●This is a no-tracking estimate. Build the real 50-year plan with Fi-Plan — taxes, EMIs, salary jumps and all.

Common questions

What is a FIRE number?

Your FIRE number is the corpus you need to be financially independent — using the 4% safe-withdrawal rule, it is 25× your annual expenses. At that size a diversified portfolio can fund your spending with roughly a 95% historical success rate.

How is time to FI calculated here?

Remaining corpus (FI number minus what you already have) divided by your monthly saving, compounded at your expected CAGR — the months column is when the corpus would be reached.

Is the 4% rule valid in India?

It is a starting benchmark, not a guarantee. India's inflation and taxation differ from the US study, which is why Fi-Plan's full simulator models taxes, EMIs, SIP step-ups and inflation month by month instead of relying on one rule of thumb.

Ye estimate thi — asli plan 50 saal tak jata hai

Fi-Plan taxes, EMIs, salary jumps, SIPs aur inflation sab model karta hai — ek hi plan mein, encrypted.

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