FIRE calculator for India

Usually about 33 to 40 times your yearly expenses at the age you stop working, more than the 25 times of the US "4% rule", because Indian inflation is higher and an early retirement can last 40 to 50 years. Start with what you spend today and add inflation: ₹50,000 a month today becomes about ₹14.4 lakh a year in 15 years at 6% inflation. This calculator works out the exact number year by year for your inputs.

The 4% rule (25 times expenses) comes from US data for 30-year retirements. Indian inflation has been higher, and early retirement can last 40 to 50 years, so many Indian planners use 3% or less, which is 33 times expenses or more. Instead of a fixed rule, this calculator sizes your FIRE number so a bucket strategy lasts until your plan age at the returns you enter, and shows what happens if markets crash in your first year.

Yes. Under the rules the Labour Ministry announced in October 2025, after you leave your job you can withdraw 75% of your EPF balance straight away and the remaining 25% after 12 months without employment. Full withdrawal is also allowed on retirement after 55. So count your EPF balance in "already invested" and your monthly EPF contribution in "you invest each month". Check epfindia.gov.in before you rely on these rules, as EPFO updates them from time to time.

Partly. A PPF account runs for 15 full financial years. Before that you can make one partial withdrawal a year once five years have passed from the end of the year you opened it (up to half of an earlier balance), or close it early after five years only for set reasons such as serious illness, higher education or moving abroad, with 1% less interest. For NPS, since December 2025 an All-Citizen account allows a normal exit after 15 years in NPS or at 60, whichever comes first: up to 80% as a lump sum and at least 20% to buy an annuity. Corporate NPS still waits for your employer's retirement age, and leaving earlier means at least 80% must buy an annuity. In the full planner, set the NPS access age to the age you will qualify.

Only the gain in each withdrawal is taxed, not the money you put in. Gains on equity mutual funds and shares held for more than a year are taxed at 12.5% above ₹1.25 lakh of such gains a financial year, and at 20% if held for a year or less (rates since July 2024, unchanged in Budget 2026). Interest from FDs and gains on debt funds bought since April 2023 are taxed at your slab rate. Tax rules change with each Budget, so enter after-tax returns in the calculator and check the current rules on incometaxindia.gov.in.

Yes. Your employer's group cover ends when you leave, and a new policy can make you wait for some claims: since April 2024 insurers can make you wait up to 3 years before covering pre-existing conditions. Buying a personal family floater with a super top-up while you are still working means those waits are over by the time you stop. Put the yearly premium in your expenses, as it rises with age and with medical costs.

Coast FIRE is the amount you need invested today so that, with no further investing, it grows into your FIRE number by your FI age. Once you reach it you only need to earn enough to cover your current expenses. The calculator shows your Coast FIRE number next to your full FIRE number.

Use after-tax returns and stay conservative. The defaults are 10% for equity, 6% for fixed income and 6% inflation. Higher return assumptions lower the monthly investment you are shown, but if real returns turn out lower you could fall short. Try a lower equity return to see how sensitive your plan is.

Two common reasons. Many SIP calculators treat 12% a year as 1% a month, which compounds to about 12.7% a year: over 20 years, ₹10,000 a month then shows about ₹99.9 lakh instead of ₹92 lakh. We compound the yearly return you enter exactly. Many FIRE calculators also use a fixed 25 times expenses; we size the corpus so it lasts until your plan age at your returns, which is usually more for an Indian early retirement.

No. The calculator runs in your browser and your numbers are not sent to any server. The inputs appear in the page address only so you can bookmark or share a result yourself.