FIRE Number Calculator
FIRE Number Calculator by NIVITA HUF. Model scenarios, review calculations, explore detailed breakdowns and export results. Useful free planning tool.
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How this calculator works
Retirement living costs grow with expected inflation. Corpus is calculated as a growing annuity; FIRE estimate = 25 × annual expenses.
Important assumptions
FIRE follows an illustrative 25× annual expense heuristic (4% rule), not a guarantee. Retirement corpus uses a simplified annual inflation-adjusted payout model; volatility, taxation, pensions and life expectancy are not modelled. Emergency reserve is months × expenses.
About the FIRE Number Calculator
What inputs are needed for the FIRE Number Calculator?
The calculator supports Current monthly expenses (₹); Years until retirement; Annual inflation (%); Annual post-retirement return (%); Years funding required in retirement; Current retirement savings (₹). You can change each applicable input and immediately recalculate.
How does the FIRE Number Calculator calculate its results?
Retirement living costs grow with expected inflation. Corpus is calculated as a growing annuity; FIRE estimate = 25 × annual expenses.
Can I save or share my calculation?
Yes. Use Export CSV for the results table, Copy results for a summary, Share scenario for an input-preserving link, or Print to keep a copy. No sign-in is needed.
Are calculator results guaranteed?
No. Calculations depend on the values entered and the assumptions shown. Financial products and regulatory rules can change, and investment projections do not guarantee returns.