Retirement & FIRE Planner
Track assets, liabilities, income, and inflation-adjusted expenses to calculate your exact retirement corpus and FIRE date.
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How to Calculate Your Ideal Retirement Corpus
Your target corpus is the amount that, invested at your post-retirement return rate, generates enough monthly income to cover inflation-adjusted expenses for your remaining life. The inputs that matter most: current monthly expenses, years to retirement, inflation rate, and expected post-retirement returns. Change any one of these and your corpus target shifts dramatically. This planner models all of them together.
At 6% inflation, ₹50,000/month today becomes ₹1,60,357/month in 20 years. Plan for today's number and you will run out of money halfway through retirement. This planner inflation-adjusts all your expense projections so your corpus target reflects actual future cost of living, not a nominal figure that looks good on paper.
Financial Independence, Retire Early (FIRE) works by maximizing your savings rate during peak earning years and letting compounding do the rest. Lean FIRE targets a minimal lifestyle corpus; Fat FIRE targets a comfortable or affluent one. The key variable is your savings rate: at 50% savings rate you hit financial independence roughly 17 years earlier than at 20%. Enter your numbers to find your specific FIRE date.
The Trinity Study found that a 4% annual withdrawal from a balanced equity-debt portfolio has historically never depleted a corpus over 30 years. This means your target retirement corpus is 25x your annual inflation-adjusted expenses. At ₹80,000/month in today's terms with 20 years to retirement at 6% inflation, you need roughly ₹7.6 crore. The planner calculates your exact 25x target automatically.
Retirement Corpus Targets by Monthly Expense (India)
Targets use the 25x rule on inflation-adjusted expenses with 6% inflation and 10% pre-retirement returns. Tweak the assumptions inside the planner to match your scenario.
| Today's monthly expense | Years to retire | Inflation-adjusted corpus | Required SIP @ 12% |
|---|---|---|---|
| ₹50,000 | 20 | ~₹4.8 crore | ~₹48,000/month |
| ₹80,000 | 20 | ~₹7.7 crore | ~₹77,000/month |
| ₹50,000 | 25 | ~₹6.4 crore | ~₹34,000/month |
| ₹1,00,000 | 25 | ~₹12.9 crore | ~₹68,500/month |
| ₹50,000 (Lean FIRE) | 15 | ~₹3.6 crore | ~₹72,000/month |
Lower your savings rate target by stretching the timeline or increasing your post-retirement returns assumption, but never below 7% real, post-inflation.
Lean FIRE vs Fat FIRE vs Coast FIRE
- Lean FIRE: Minimal lifestyle corpus, typically ₹3-5 crore. Annual expenses ₹12-20 lakh. Right for low-cost cities and frugal lifestyles.
- Regular FIRE: Comfortable middle-class corpus, ₹6-12 crore. Annual expenses ₹24-48 lakh. Most common India target.
- Fat FIRE: Affluent corpus, ₹15 crore+. Annual expenses ₹60 lakh+ for travel, premium healthcare, large home.
- Coast FIRE: Save aggressively until your corpus, left untouched, will compound to your full FIRE number by retirement age. Then you only need to cover current expenses.
Frequently Asked Questions
FIRE (Financial Independence, Retire Early) targets the corpus at which your investments generate enough returns to fund your lifestyle indefinitely. Your FIRE number is 25x your annual inflation-adjusted expenses. Enter your current expenses, target retirement age, and expected inflation here to get your specific FIRE corpus.
At 6% inflation, money loses half its purchasing power every 12 years. A 25-year retirement where you ignore inflation means your withdrawals can cover barely half your actual expenses by Year 12. Always plan with inflation-adjusted expense projections, not today's figures.