About this calculator
Enter your expenses, savings and monthly investment. The calculator works in today’s money, so inflation is handled by using the return above inflation.
How to use it
- Enter yearly expenses and what you have invested.
- Enter your monthly investment and age.
- Set the withdrawal rate, return and inflation.
The formula
- safe withdrawal rate
- the share of savings spent each year, often 3% to 4%
- real return
- return after inflation, used to grow savings
Worked example
₹6 lakh a year of expenses, ₹20 lakh invested, ₹50,000 a month, age 32
- FIRE number at 4% = 6,00,000 ÷ 0.04 = ₹1.5 crore in today’s money.
- With 10% returns and 6% inflation it is reached in about 14.6 years.
- That is around age 47, when the target will be about ₹3.5 crore in future rupees.
What the result means
A lower withdrawal rate is safer but needs a bigger corpus. Indian planners often use 3% to 3.5% because of higher inflation.
Assumptions
- Monthly investment rises with inflation.
Limitations
- Health insurance and big one-off costs need separate planning.
- Market returns vary year to year.
Frequently asked questions
What is the 4% rule?
Spending 4% of your savings in the first year, then raising it with inflation, has historically lasted about 30 years in US data.
Is 4% safe in India?
Many planners suggest 3% to 3.5% because inflation is higher.
What is lean FIRE and fat FIRE?
Lean FIRE targets a frugal lifestyle; fat FIRE a more comfortable one, with a larger corpus.
For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.
Last reviewed on 1 October 2026. Found a mistake? Tell us.