Retirement & FIRE Calculator

A retirement calculator estimates the savings, or corpus, you'll need to stop working and still cover your expenses for the rest of your life. Because expenses keep rising with inflation, the corpus is usually far larger than people expect, and starting early makes the monthly investment much smaller.

This calculator suits both a conventional retirement at 60 and FIRE, retiring early. It inflates your current expenses, works out the corpus needed to fund them until the age you choose, compares that with the 4% rule's FIRE number, and tells you the monthly SIP required after accounting for what you've already saved.

First, today's expenses are inflated to your retirement age. The corpus is then the amount that can pay those expenses every year, rising with inflation, until the age you plan for, while the remaining money earns the after-retirement return. Mathematically it's the present value of a growing annuity.

The FIRE number uses the simpler 4% rule from US research: 25 times your yearly expenses at retirement. Some planners use 3–3.5% for India, where inflation is higher. The monthly SIP is what closes the gap after your current savings grow.