What is the FIRE 4% Rule?

The 4% Rule states that you can safely withdraw 4% of your total retirement portfolio in the first year of retirement (adjusted for inflation each year after) with a high probability that your money will last 30+ years.

How do I calculate my FIRE target corpus?

Multiply your estimated annual retirement expenses by 25 (the inverse of 4%). For instance, if your annual expenses are $40,000, your target FIRE retirement corpus is $1,000,000.

FIRE Retirement Calculator

Simulate EMI prepayments to cut years off your loan, or use Reverse SIP to figure out the exact monthly savings needed for your target financial goal.

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FIRE Strategy

Calculate your required financial independence corpus using the 4% safe withdrawal rule

Current Monthly Living Expenses

₹

₹1,000₹10,00,000

Current Age

Yrs

18 Yrs70 Yrs

Target Retirement Age

Yrs

31 Yrs75 Yrs

Pre-Retirement Return (CAGR)

1%25%

Assumed Inflation Rate

1%15%

FIRE Target Corpus Allocation

FIRE Target₹4.81 Cr

Target FIRE Corpus Needed

₹4.81 Cr (99.7%)

Inflation Adjusted Monthly Expense

₹1.60 L (0.3%)

FIRE Corpus Target

Required FIRE Corpus

₹4,81,07,032

Required Monthly Investment

₹48.1 K

Future Monthly Expense

₹1.60 L

Years Until Retirement

20 Yrs

Annual Retirement Withdrawal (4%)

₹19.24 L

Required FIRE Corpus

₹4,81,07,032

4% Safe Withdrawal Rule

To retire at age 50 you need a corpus of ₹4,81,07,032. ₹48,149 Investing starting today will reach this goal!

Key takeaway

What is a FIRE retirement calculator?

A FIRE retirement calculator estimates the investment corpus needed for financial independence and early retirement by comparing annual expenses, safe withdrawal rate, expected return, inflation, and savings rate.

Last updated: October 9, 2026

How do you calculate your FIRE number?

Multiply annual retirement expenses by 25 when using the 4% rule. For example, $40,000 in yearly expenses implies a $1,000,000 FIRE target.

Who should use this calculator?

Early retirement planners, high-savings households, and long-term investors can use it to compare Lean FIRE, regular FIRE, and Fat FIRE targets.

Should I use the 4% rule?

Use the 4% rule as a planning benchmark, then stress-test with lower withdrawal rates, inflation, taxes, healthcare costs, and market volatility.

1.Estimate annual retirement expenses and emergency buffers.
2.Choose a safe withdrawal rate and inflation assumption.
3.Compare required monthly investment, FIRE age, and corpus target.

Best for: estimating a retirement corpus, comparing savings rates, and deciding whether a target FIRE age is realistic.

Be careful when: expenses are uncertain, income is variable, or healthcare, tax, and housing assumptions could change after retirement.

First-hand example: In VVmatrix testing, changing the withdrawal rate from 4% to 3% raises the required corpus from 25x annual expenses to about 33.3x annual expenses.

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FIRE Retirement Freedom

Independence

Key Takeaway: Determine your 25x/33x target corpus using the 4% safe withdrawal rule and calculate years until financial independence.

4% safe withdrawal rule & retirement corpus

Step-by-Step Methodology

1. 5. FIRE Retirement Freedom Planner

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Mathematical Formula & Methodology

FIRE Target Corpus = Annual Living Expenses × 25 (4% Safe Withdrawal Rule)

Based on the Trinity Study: a 4% initial withdrawal rate adjusted annually for inflation has a 95%+ probability of sustaining capital over 30+ years.

Real-World Example

With annual living expenses of ₹48,000 (or ₹60,000/month), your target freedom corpus is ₹1,200,000 under the 4% rule (or ₹1,584,000 for 33x conservative SWR).

Legal Disclaimer: Disclaimer: This tool is for educational simulation purposes only. Consult a certified financial advisor before making major money moves.