Financial Freedom (FIRE) Calculator
The corpus that makes work optional, and how long it takes.
Financial Freedom (FIRE) Calculator
The corpus that makes work optional, and how long it takes.
- FIRE corpus needed
- ₹2.25 crore
- Time to reach it
- 11 yr 3 mo
- Annual withdrawal
- ₹9.00 lakh
How is this calculated?
Formula: Corpus = annual expenses ÷ safe withdrawal rate. The existing corpus and monthly investing are then compounded until they reach it.
- A 4% withdrawal rate is a common starting assumption, not a guarantee.
- Model expenses in today's money and revisit annually for inflation.
- Tax on withdrawals matters — plan the asset mix, not just the number.
Your entries are user inputs; rates and returns you cannot control are assumptions. Results are illustrative, not a statutory computation.
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How this calculator works
Corpus = annual expenses ÷ safe withdrawal rate. The existing corpus and monthly investing are then compounded until they reach it.
Assumptions
- A 4% withdrawal rate is a common starting assumption, not a guarantee.
Statutory limits used here reflect FY 2025-26 (AY 2026-27). Results are illustrative and do not constitute tax, legal or investment advice. Speak to a Bluman Chartered Accountant before acting on them.
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