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FIRE planner

Work out when you could stop depending on a salary, and compare the different flavours of FIRE. Fill in the steps from top to bottom.

1About you
Used for Coast FIRE
2Your money
₹8.5L
₹60K
Yearly contribution increase.
Everything you spend in a year₹9L
3FIRE variants
₹6.3 L · Blank = 70% of today’s spend
₹14.4 L · Blank = 160% of today’s spend
What you’d still earn working part-time₹4.8L
4Assumptions
Before inflation
A lower rate requires a larger retirement pot.
FIRE

At 53.8

₹2.25 Cr invested covers ₹9 L a year at a 4% withdrawal rate. That’s about 24.8 years away at your current pace.

In short: Retire on roughly the lifestyle you have today.

Pot you need
₹2.25 Cr
Yearly spend
₹9 L
Years away
24.8 yrs
Investing
₹60,000/mo
Fixed monthly contribution
Return after inflation
4.7%
Real annual growth assumption
Withdrawal rate
4%
Yearly spend ÷ this rate

Your pot over time, in today’s money

Choose a FIRE age marker to see that path’s result above.

Investment growth and FIRE achievement agesInvestments from age 29 to 65. Vertical markers show the projected age each reachable FIRE path is reached. Each marker label is a button that updates the result above.
How we work it out

Targets equal yearly spending divided by your withdrawal rate; Barista FIRE subtracts part-time income first. Real annual return is (1 + expected return) ÷ (1 + inflation) − 1, converted to a monthly rate. Contributions are added at month-end and the actual rupee amount increases by 0% after each completed year. Each contribution is adjusted for inflation to show its value in today’s money. A 0% step-up keeps the actual monthly payment fixed. Coast FIRE finds when growth alone can meet your regular target by retirement. Projections stop at age 89; taxes and fees are excluded. Returns are assumptions, not guarantees.

What’s the difference?

FIRE means Financial Independence, Retire Early: having enough invested that withdrawals cover your spending. The flavours differ in how much you plan to spend and whether you keep earning.

TypeWhat it meansSpend a yearYou needYou get there
Lean FIRERetire on a pared-back budget that covers needs and a few wants. It needs the smallest pot and can bring the earliest date.₹6.3 L₹1.57 CrAt 47.5
FIRERetire on roughly the lifestyle you have today.₹9 L₹2.25 CrAt 53.8
Fat FIRERetire with room for travel, upgrades and a bigger safety buffer. It needs a larger pot and usually a later date.₹14.4 L₹3.6 CrAt 63
Coast FIREInvest enough early that growth alone reaches your FIRE number by your planned retirement age. After that, you only need to earn enough to cover today’s spending.₹9 L₹85.5 L todayNot reached
Barista FIRELeave full-time work earlier and let part-time income cover part of your spending, so your investments only need to cover the rest.₹9 L − ₹4.8 L part-time₹1.05 CrAt 41.7

How to use the FIRE calculator

FIRE means Financial Independence, Retire Early. This planner estimates the investment pot needed to cover your spending, and when you could reach it under your own saving, return and inflation assumptions. Amounts are shown in rupees using Indian numbering.

  1. Enter your age, retirement age, current retirement investments, monthly contribution and annual contribution step-up.
  2. Add your annual spending and adjust the Lean, Fat and part-time income assumptions.
  3. Choose expected return, inflation and withdrawal rate, then compare all five FIRE paths.

The calculation

FIRE number=annual spendingwithdrawal rate rreal=1+expected return1+inflation−1 rmonth=1+rreal112−1
For example, ₹6,00,000 per year ÷ 0.04 = ₹1,50,00,000. Growth is compounded monthly after adjusting for inflation; contributions are added at each month’s end.

Common questions

What is the difference between Lean, Fat, Coast and Barista FIRE?

Lean FIRE uses a smaller spending budget; Fat FIRE uses a larger one. Coast FIRE finds when your current pot can grow to your retirement target without further contributions. Barista FIRE reduces the spending your investments must cover by your expected part-time income.

Does this FIRE calculator account for inflation?

Yes. The real annual return is (1 + expected return) divided by (1 + inflation), minus 1. The actual rupee contribution increases by the chosen step-up after each completed year, then each payment is adjusted for inflation to express results in today’s money. A 0% step-up keeps the actual monthly payment fixed.

Is the calculated retirement age guaranteed?

No. It is a projection using constant assumptions. Actual returns, spending, inflation, taxes and fees can change the outcome. A target outside the model’s horizon is shown as not reached.