Calculate the corpus required for Financial Independence and Retire Early (FIRE) and find out the monthly SIP needed to reach your goal.
Required Monthly SIP
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Financial Independence, Retire Early (FIRE)is more than just a financial goal—it's a lifestyle shift. By aggressively saving a high percentage of your income (often 50% or more) and investing it in low-cost index funds, you can build a massive portfolio that sustains your living expenses indefinitely.
The foundation of FIRE is the 4% Rule, derived from the famous Trinity Study. It states that if you withdraw 4% of your total portfolio value in your first year of retirement, and adjust that amount for inflation each subsequent year, your portfolio is highly likely to last for at least 30 years without running out.
To find your FIRE number, simply divide your annual expenses by your Safe Withdrawal Rate (SWR). For a 4% SWR, this is equivalent to multiplying your annual expenses by 25. If you spend ₹12 Lakhs a year, you need ₹3 Crores to retire (₹12L × 25).
If you plan to retire in your 30s or 40s, your money needs to last 40 to 50 years, not just 30. Because of this longer time horizon, many FIRE practitioners opt for a more conservative SWR of 3.25% to 3.5%. This increases the required target corpus but provides a significantly higher margin of safety against prolonged market downturns.
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FIRE stands for Financial Independence, Retire Early. It is a movement dedicated to extreme savings and investment that allows proponents to retire far earlier than traditional budgets and retirement plans would allow.
The 4% rule suggests you can safely withdraw 4% of your portfolio in the first year of retirement, adjusted for inflation subsequently, for 30 years. For extreme early retirees (40+ year horizons), many prefer a more conservative 3.25% to 3.5% safe withdrawal rate.
Yes. The expenses you input into the FIRE calculator should include estimated taxes you will pay on withdrawals from EPF, NPS, or taxable mutual funds. PPF withdrawals are tax-free.
The standard FIRE calculation (Expenses / SWR) gives you your target corpus in *today’s dollars*. As you save toward this goal over time, you must increase your target corpus annually to account for inflation, which is why having an expected return rate well above inflation is critical.