What is the FIRE number in India?

Your FIRE number = Annual Expenses × 25 (at 4% withdrawal) or × 30-33 for conservative India planning. Example: ₹1 lakh/month expenses → ₹3 crore (25x) to ₹4 crore (33x) FIRE corpus needed.

What is the safe withdrawal rate for India?

The US 4% rule is aggressive for India's 6-7% inflation. Most Indian FIRE planners use 3-3.5% (28x-33x expenses) for a 30-40 year retirement. A 30-year-old retiring at 40 needs even more conservative projections.

How long does it take to reach FIRE in India?

Saving rate is the biggest lever: at 50% savings rate → ~17 years; at 70% → ~8.5 years; at 80% → ~5.5 years. High income + aggressive investing in equity (12-15% p.a.) dramatically shortens the timeline.

FIRE Target Calculator

Calculate your Financial Independence corpus, track your FIRE gap, and find exactly how many years until you can retire early — with LTCG drag and inflation modeled for India.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.