Traditional FIRE Calculator

Plan your journey to financial independence in 4 simple steps

1
Personal Info
2
Current Finances
3
Retirement Goals
4
Investment Strategy

Personal Information

Let's start with some basic information about you. This helps us customize your FIRE calculation based on your timeline.

Your age today
When you want to achieve FIRE
Used to calculate how long your retirement funds need to last

Current Financial Situation

Now let's assess your current financial position. This includes your savings, investments, and monthly contribution capacity.

Include all savings, investments, and retirement accounts
Your total monthly income
Amount you can save each month
Automatically calculated based on your income and savings

Retirement Goals & Expenses

Define your retirement lifestyle and expenses. The 4% rule suggests you need 25 times your annual expenses to retire safely.

How much you'll spend per year in retirement (today's value)
Traditional 4% rule
Your FIRE Number: ₹0

Based on the 4% rule (25x annual expenses)

Investment Strategy & Assumptions

Finally, let's set your investment expectations and economic assumptions for accurate projections.

Average annual investment return
Average annual inflation
How much you'll increase savings each year

About Traditional FIRE

Traditional FIRE (Financial Independence, Retire Early) is based on the 4% rule, which suggests you need 25 times your annual expenses saved to retire safely. This calculator helps you determine how much you need to save and how long it will take to reach your FIRE number.

Key Concepts:

  • FIRE Number: 25 times your annual expenses (based on 4% safe withdrawal rate)
  • 4% Rule: You can safely withdraw 4% of your portfolio annually in retirement
  • Compound Interest: Your investments grow exponentially over time
  • Inflation Adjustment: Consider the impact of inflation on your expenses
  • Savings Rate: The percentage of income you save determines how quickly you reach FIRE

Tips for Success:

  • Increase your savings rate to accelerate your FIRE timeline
  • Consider geographic arbitrage - earning in high-cost areas and retiring in low-cost areas
  • Diversify your investments across different asset classes
  • Plan for healthcare costs before traditional retirement age
  • Build multiple income streams for added security