What is the 4% safe withdrawal rate?

Based on the Trinity Study — withdrawing 4% of your portfolio annually has a high probability of lasting 30+ years. Some prefer 3-3.5% for longer horizons or Indian conditions.

Does this account for taxes?

No — FIRE numbers are pre-tax. Inflate your target by your expected effective tax rate on withdrawals for accuracy.

Calculators Tool

FIRE Retirement Calculator

Calculate your FIRE (Financial Independence Retire Early) number and projected corpus.

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Fast and simple

100% Free, no signup

Current monthly expenses₹60,000

Current age30 years

Target retirement age50 years

Current savings/investments₹5,00,000

Monthly SIP/investment₹50,000

Expected annual returns11%

Expected inflation6%

Safe withdrawal rate4%

FIRE number needed at age 50

₹5,77,28,438

Projected corpus by then

₹4,77,09,808

Shortfall: ₹1,00,18,630

Increase monthly investment, extend retirement age, or lower expected expenses.

Monthly expense at retirement (inflation-adjusted)

₹1,92,428

How it works

How to plan FIRE

STEP 01

Enter current monthly expenses, age, and target retirement age.

STEP 02

Add current savings and monthly investment amount.

STEP 03

Set expected returns, inflation, and safe withdrawal rate (4% is the classic Trinity Study number).

STEP 04

See your FIRE number and whether you're on track.

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FAQ

FIRE Retirement Calculator

How to plan FIRE

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