How do I use this as a FIRE number calculator?

Use your annual expenses and withdrawal assumptions to estimate the portfolio needed for financial independence. This calculator shows both your required FIRE corpus and estimated timeline based on your current savings and monthly investments.

What is a FIRE number?

Your FIRE number is the total investment corpus you need to retire early. It is calculated as your annual expenses divided by your Safe Withdrawal Rate (SWR). For Standard FIRE with a 4% SWR, the corpus = 25× annual expenses.

What is the difference between Lean, Standard, and Fat FIRE?

Lean FIRE targets a frugal lifestyle (70% of current expenses, 4.5% SWR). Standard FIRE matches your current lifestyle (100% expenses, 4% SWR). Fat FIRE provides a luxurious lifestyle (175% expenses, 3.25% SWR).

Coast FIRE means you have saved enough that — even without future contributions — compound growth alone will bring your portfolio to the full FIRE number by retirement age. You can "coast" and only need income for daily expenses.

What is the difference between Coast FIRE target and full FIRE number?

Full FIRE number is the complete corpus needed at retirement. Coast FIRE target is the amount you need today so compounding alone can reach that full FIRE corpus by your planned retirement age, even if you stop future contributions.

What is Barista FIRE?

Barista FIRE involves semi-retiring with a small part-time income (like a barista job) that covers basic expenses, dramatically reducing the investment corpus required from full FIRE.

Can I use this FIRE calculator for India or the UK?

Yes. This is a global FIRE calculator. Use your local currency and realistic assumptions for inflation, returns, and withdrawal behavior in your country.

Is this related to Free Fire game or Amazon Fire devices?

No. This tool is only for FIRE financial planning (Financial Independence, Retire Early), not gaming, streaming devices, or fire-related hardware topics.

What is a Safe Withdrawal Rate (SWR)?

The SWR is the percentage of your portfolio you can withdraw annually without running out of money over a typical 30-year retirement. The classic 4% rule comes from the Trinity Study. This calculator supports variable SWRs from 3.25% (Fat FIRE) to 4.5% (Lean FIRE).

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Financial Independence

FIRE Calculator

Find your Financial Independence number across all FIRE types — with inflation-adjusted corpus projections, a side-by-side comparison, and instant real-time results.

Build your corpus with the SIP Calculator, plan withdrawals with the SWP Calculator, and size your safety buffer using the Emergency Fund Calculator.

Select FIRE Type

Retire comfortably at your current lifestyle. The classic 4% rule.

Common Inputs— shared across all FIRE types

Current Age

yrs

Life Expectancy

yrs

Current Savings

₹

Standard FIRE Details— specific to this type

Target Retirement Age

yrs

Monthly Expenses

₹

Monthly Investment

₹

Return & Inflation— shared across all FIRE types

Expected Return

% p.a.

Inflation Rate

% p.a.

Real (inflation-adjusted) return: 5.66% p.a.

Not achievable with current plan

27 years to go · Retire for 40 years

Increase monthly investment or extend retirement age.

Required Corpus

₹4,03,91,592

Projected Corpus

₹2,03,39,233

at age 45

Monthly Income

₹67,797

from corpus at SWR

Shortfall

₹2,00,52,359

below target

SWR: 4.00%·Expense multiplier: 1×

FIRE Type Comparison

Each type uses its own independently configured inputs. Adjust a type's parameters by selecting it above — comparison rows only update when you edit that specific type.

Type	Required Corpus	FIRE Age	Monthly Income
Lean FIRE	₹2,99,33,264	—	₹1,13,166
Standard FIRE	₹7,23,35,189	—	₹2,42,928
Fat FIRE	₹33,23,07,810	—	₹9,57,242
Barista FIRE	₹2,82,74,114	—	₹1,08,189

FIRE Age = earliest year your portfolio covers the full required corpus for that type.

FIRE Calculator

Common Inputs— shared across all FIRE types

Standard FIRE Details— specific to this type

Return & Inflation— shared across all FIRE types

FIRE Type Comparison

Frequently Asked Questions