Ultimate FIRE Calculator
Plan your Financial Independence and Early Retirement with precision. Calculate your Lean, Standard, Fat, and Coast FIRE numbers, accounting for major life goals.
Your Standard FIRE Number
Your Profile
₹ 50,000
Assumptions
Life Goals
Lean FIRE
₹ 2.89 Cr
Minimalist lifestyle. Covers basic necessities only. Calculated as 15x your annual expenses.
Standard FIRE
₹ 4.81 Cr
Comfortable lifestyle. Maintains current standard of living. Calculated as 25x annual expenses (4% Rule).
Fat FIRE
₹ 9.62 Cr
Luxury lifestyle with buffer for indulgences. Calculated as 50x your annual expenses.
Coast FIRE
₹ 49.87 L
The amount you need invested today to reach Standard FIRE by age 50 without adding another rupee.
Calculation Details
Understanding FIRE
FIRE stands for Financial Independence, Retire Early. It's a movement dedicated to extreme saving and investment that allows you to retire far earlier than traditional budgets and retirement plans would permit.
The 4% Rule
The standard FIRE number is calculated based on the 4% rule, which suggests that you can withdraw 4% of your portfolio annually without running out of money for at least 30 years.
Coast FIRE
Coast FIRE is the point where you have enough invested that, without any further contributions, your portfolio will grow to support your retirement by the time you reach your target age.
Types of FIRE
- •Lean FIRE: For those who plan to live a minimalist lifestyle in retirement. Usually 15-20x annual expenses.
- •Standard FIRE: The traditional benchmark. 25x annual expenses.
- •Fat FIRE: For those who want a luxurious retirement with a higher buffer. 50x annual expenses.