# FIRE Calculator India: Your FIRE Number and Age > FIRE calculator India: get your FIRE number from a safe withdrawal rate (3.5% by default) and the age you could stop working at your savings rate. Source: https://trykosh.com/tools/fire-calculator Free tool - Salary and retirement # FIRE calculator for India: when can you retire early? FIRE stands for financial independence, retire early: having enough invested that work becomes optional. Enter your expenses and how much you invest to see your FIRE number and the age you could reach it. Rules checked 25 October 2026Free - no sign-upRuns in your browser You could reach FIRE at age 45 In 15 years 6 months, with INR 4.25 crore invested FIRE number today**INR 1.71 crore** FIRE number then**INR 4.23 crore** Multiple of yearly spend**28.6x** Yearly expenses today INR 6,00,000 / withdrawal rate 3.5% INR 1,71,42,857 FIRE number at 3% INR 2 crore FIRE number at 4% (the US rule of thumb) INR 1.5 crore Portfolio against the FIRE number, year by year Age Portfolio FIRE number 31 INR 24.17 lakh INR 1.82 crore 32 INR 34.69 lakh INR 1.93 crore 33 INR 46.7 lakh INR 2.04 crore 34 INR 60.39 lakh INR 2.16 crore 35 INR 75.95 lakh INR 2.29 crore 36 INR 93.61 lakh INR 2.43 crore 37 INR 1.14 crore INR 2.58 crore 38 INR 1.36 crore INR 2.73 crore 39 INR 1.62 crore INR 2.9 crore 40 INR 1.9 crore INR 3.07 crore 41 INR 2.23 crore INR 3.25 crore 42 INR 2.59 crore INR 3.45 crore 43 INR 3 crore INR 3.66 crore 44 INR 3.46 crore INR 3.88 crore 45 INR 3.97 crore INR 4.11 crore 45.5 (FIRE) INR 4.25 crore INR 4.23 crore The FIRE number grows with inflation while you save, so the finish line keeps moving. Savings rate matters more than return. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh maps your salary, PF and savings, then tells you whether you're on track for retirement, month by month. [Start free](/signup?via=tool-fire-calculator) ## How the FIRE calculator works Your FIRE number is the portfolio that can pay your yearly expenses for the rest of your life. It is found by dividing yearly expenses by a safe withdrawal rate: the share of the portfolio you take out in the first year, then raise with inflation each year. At 3.5% you need about 28.6 times your yearly spending; at 3%, 33 times. The well-known 4% rule comes from US studies of 30-year retirements with US inflation and market returns. Indian inflation has been higher, and early retirees need the money to last 40 or 50 years, so many Indian FIRE planners use 3-3.5%. The default here is 3.5%. The calculator then simulates your portfolio month by month: your current investments plus a monthly investment that rises each year by the step-up you choose, all growing at your assumed return. Meanwhile the FIRE number grows with inflation, because what you spend will cost more. The month your portfolio catches the moving target is your FIRE date. The year-by-year table shows the race between the two. Early on, your contributions do most of the work; later, returns take over. Raising your savings rate brings the date closer far more reliably than hoping for higher returns. FIRE number = yearly expenses / safe withdrawal rate Safe withdrawal rate 3.5% by default, so FIRE number ~= 28.6 x yearly expenses ## Worked example: Deepa and Rahul, 34, aiming to stop working early Deepa and Rahul spend INR 75,000 a month, so their FIRE number today is INR 9 lakh a year / 3.5% = INR 2.57 crore. They have INR 60 lakh invested and put in INR 1.2 lakh a month, raising it 7% a year. At an assumed 10% return and 6% inflation, they cross the line in 9 years 6 months, at 43, with about INR 4.5 crore against a FIRE number that has grown to INR 4.47 crore by then. You could reach FIRE at age 43 In 9 years 6 months, with INR 4.5 crore invested FIRE number today**INR 2.57 crore** FIRE number then**INR 4.47 crore** Multiple of yearly spend**28.6x** Yearly expenses today INR 9,00,000 / withdrawal rate 3.5% INR 2,57,14,286 FIRE number at 3% INR 3 crore FIRE number at 4% (the US rule of thumb) INR 2.25 crore The FIRE number grows with inflation while you save, so the finish line keeps moving. Savings rate matters more than return. [Load this example into the calculator ->](?age=34&expenses=75000&corpus=6000000&monthly=120000&stepUp=7#calculator) ## Good to know - Count health insurance as a FIRE expense. Without an employer policy you will pay for your own family floater for decades, and premiums rise with age. - Withdrawals from equity funds are taxed as capital gains, not as income. Long-term gains up to INR 1.25 lakh a year are tax-free, which lets a careful early retiree draw a good income at a low tax rate. - Keep two to three years of expenses in debt funds or deposits after you stop working, so you aren't forced to sell equity in a crash. - Clear all loans before you FIRE. A home-loan EMI in retirement raises the FIRE number by far more than the remaining balance. - Many people aim for 'coast FIRE' or part-time work first: once the corpus is big enough to grow to the target alone, you can take a lower-paid job you enjoy. ## Frequently asked questions What is a good FIRE number in India? It is personal: 25 to 35 times your yearly expenses, depending on the withdrawal rate you are comfortable with. A family spending INR 6 lakh a year needs about INR 1.7 crore at 3.5%, while one spending INR 15 lakh needs over INR 4 crore. Does the 4% rule work in India? It is risky to rely on it. The 4% rule was tested on US data over 30 years. With higher inflation in India and retirements of 40 years or more, 3-3.5% gives a bigger margin of safety. The calculator shows your FIRE number at 3% and 4% too. How much should I save to retire early? Most people who reach FIRE in their 40s save 40-60% of take-home pay for 15-20 years. The higher your savings rate, the faster you get there, because you are both investing more and learning to live on less. What return should I assume for FIRE planning? Use a conservative, long-term figure. 10% for a mostly equity portfolio over many years is a common illustrative assumption, but returns can be much lower for long stretches. Test 8% to see how much later your FIRE date moves. What is Lean FIRE and Fat FIRE? Lean FIRE means retiring on a frugal budget with a smaller corpus; Fat FIRE means retiring with enough to keep a comfortable or lavish lifestyle. Both use the same maths here: change the monthly expenses to see each version. ## Sources and assumptions - [SEBI investor education](https://investor.sebi.gov.in/) - [Income Tax Department](https://www.incometax.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.