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FIRE & Coast FIRE Calculator

Calculate your Financial Independence, Retire Early (FIRE) number, Coast FIRE milestone, and safe withdrawal timeline.

FIRE Parameters

Plan your early retirement freedom number with the 4% safe withdrawal rule.

Timeline
yrs
18 yrs70 yrs
yrs
31 yrs80 yrs
Finances
₹
₹0₹20L
₹
₹10K₹2.5L
₹
₹0₹2L
Market Assumptions
%
4%15%
%
1%8%
%
3%5%
Your FIRE Number (Target Corpus)
₹10,00,000

At a 4% withdrawal rate, this portfolio sustains ₹40,000/yr indefinitely.

Current Progress
10%
Coast FIRE Today
₹1,36,551
At Age 45
₹11,86,942

FIRE Milestone Targets

Lean FIRE (Frugal)
₹7,50,000
Covers basic essentials (75% budget)
Standard FIRE
₹10,00,000
Maintains current standard of living
Fat FIRE (Abundant)
₹15,00,000
Luxury living with travel (150% budget)
Coast FIRE (Zero Save)
₹1,36,551
Grows to full FIRE by 65 with no extra deposits

Corpus Growth vs FIRE Milestone

Projected compounding vs inflation-adjusted target

Savings Boost Needed
To retire by age 45, consider increasing your annual savings or exploring Lean FIRE options. Alternatively, your current portfolio already achieves Coast FIRE if you let it compound until typical retirement age.

How the FIRE Movement Works

FIRE stands for Financial Independence, Retire Early. It is a mathematical framework where your invested assets generate enough passive income or safe withdrawals to cover your annual living expenses forever, eliminating the necessity for traditional employment.

The 4% Rule (Trinity Study)

Derived from Nobel-grade portfolio research, withdrawing 4% of a diversified portfolio in year one and adjusting for inflation each subsequent year has historically succeeded over 95% of 30-year retirement horizons.

Coast FIRE Explained

Coast FIRE occurs when you already have enough invested in your early years that, even if you never save another penny, compounding will automatically carry your portfolio to a fully funded retirement by age 65.

FIRE Number = Annual Expenses ÷ Safe Withdrawal Rate
SWR
Safe Withdrawal Rate (typically 4.0% per Trinity Study)
Target
Equals 25 × Annual Expenses at 4% SWR (or 30× at 3.3%)
What is the difference between Lean FIRE and Fat FIRE?
Lean FIRE assumes a minimalist lifestyle covering strictly non-negotiable living expenses (typically 75% of current expenses). Fat FIRE accommodates an abundant lifestyle including international travel, luxuries, and gifts (typically 125% to 150% of current expenses).
How does inflation affect my FIRE target?
Over a 10 to 20 year accumulation horizon, inflation raises nominal costs. Our simulator projects your future required corpus adjusting for compound inflation so you never fall short of purchasing power.
Is 4% withdrawal rate safe for early retirees aged 35–45?
Because an early retirement may last 40 to 50 years rather than the traditional 30-year Trinity horizon, many practitioners use a more conservative 3.25% to 3.5% safe withdrawal rate (or 28x to 30x annual expenses) to virtually eliminate sequence-of-returns risk.

Keep planning

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Retirement & FIRE Planner

Calculate the inflation-adjusted retirement corpus and monthly SIP required to achieve financial independence.