FIRE Calculator

Estimate a target portfolio and compare it with your current savings under simplified assumptions.

Annual spending ($ / ₹)

Current investments ($ / ₹)

Expected annual return (%)

Withdrawal rate (%)

Annual new savings ($ / ₹)

Enter your numbers and select Calculate.

What this calculator helps you understand

Explore a simplified Financial Independence and early-retirement target using spending, savings and an assumed withdrawal rate. The goal is to make the financial concept easier to understand by letting you test different scenarios rather than relying on a single example.

How to use it

Enter numbers that match your situation.
Change one assumption at a time and compare the result.
Use the result as an estimate, not a guarantee.

Important: This is an educational calculator. Actual results can differ because of rates, taxes, fees, plan rules, market performance, lender terms and other circumstances.

Frequently asked questions

What is FIRE?

FIRE stands for Financial Independence, Retire Early. It generally focuses on building assets that can support spending without employment income.

Is the withdrawal rate guaranteed?

No. Withdrawal-rate assumptions are planning tools and involve investment and longevity risk.

Does this account for taxes?

No. This simplified tool does not model taxes, healthcare, sequence-of-returns risk or changing spending.

More free tools: All calculators · Investment growth · Savings goal · Debt payoff · Financial Life Simulator