Find your exact Financial Independence number — the corpus that covers all living expenses forever, adjusted for Indian inflation.
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Year-by-year projection
What is the FIRE number?
The FIRE number is the total corpus that, when invested, generates enough returns to cover all living expenses indefinitely without touching the principal. The classic formula is Annual Expenses × 25 (4% safe withdrawal rate). In India, adjusted for 6% inflation, the multiplier is typically 28–33×.
FAQ
How is India FIRE different from the US 4% rule?▾
India has higher inflation (5–7% vs 2–3% US), higher equity returns (12–15% Nifty vs 10% S&P), and no social security. The safe withdrawal rate for India is 3–3.5%, requiring a 28–33x corpus multiplier.
What CAGR should I assume for pre-FIRE investments?▾
Nifty 50 has delivered 12–15% CAGR over 20-year periods historically. A conservative assumption is 11–12% for equity-heavy portfolios. As you approach FIRE, gradually shift to balanced/debt.
Should I include EPF/PPF/NPS in current corpus?▾
Yes — include all investable assets: EPF, PPF, mutual funds, stocks, NPS, FDs, RDs. Exclude primary residence value unless you plan to sell it.