Calculator
FIRE calculator
Financial-independence corpus across SIP, EPF, PPF, NPS and SSY buckets.
≈ ₹1.50 L
≈ ₹10.00 L
- Projected corpus
- ₹2,50,09,829
- Target corpus
- ₹3,59,48,375
- Funded
- 69.6%
- Gap
- ₹1,09,38,546
- Extra SIP to close gap
- ₹21,679/mo
- Equity SIP ₹1,24,89,505(50%)
- EPF ₹42,74,867(17%)
- PPF ₹40,68,209(16%)
- Existing corpus grown ₹41,77,248(17%)
Year-by-year schedule
| Year | Invested | Value |
|---|---|---|
| 1 | ₹15,94,000 | ₹17,28,313 |
| 2 | ₹21,88,000 | ₹25,31,148 |
| 3 | ₹27,82,000 | ₹34,16,522 |
| 4 | ₹33,76,000 | ₹43,93,349 |
| 5 | ₹39,70,000 | ₹54,71,546 |
| 6 | ₹45,64,000 | ₹66,62,152 |
| 7 | ₹51,58,000 | ₹79,77,456 |
| 8 | ₹57,52,000 | ₹94,31,140 |
| 9 | ₹63,46,000 | ₹1,10,38,451 |
| 10 | ₹69,40,000 | ₹1,28,16,375 |
| 11 | ₹75,34,000 | ₹1,47,83,851 |
| 12 | ₹81,28,000 | ₹1,69,61,989 |
| 13 | ₹87,22,000 | ₹1,93,74,342 |
| 14 | ₹93,16,000 | ₹2,20,47,183 |
| 15 | ₹99,10,000 | ₹2,50,09,829 |
Read this before you act on the number
- Retirement Schemes in India: NPS vs PPF vs EPF — What Each One Actually Gives You
Most of us meet retirement the way we meet a train we cannot catch. Every year we say we will start. Every March we look at the same two or three options and pick the one we understand least.
- 7 Ways to Build a Portfolio That Survives Market Chaos
Discover 7 proven strategies to protect your investment portfolio from market crashes. Learn about dividend stocks, defensive sectors, bonds, gold, and Ray Dalio's All Weather Portfolio approach...
Maths: Each bucket compounds at its own rate; target corpus = annual expenses at retirement ÷ the safe-withdrawal rate (4% = 25×). Verify rates against the lender's or fund's current card before acting.
Questions about this calculator
- How does the FIRE calculator work?
- Each bucket compounds at its own rate; target corpus = annual expenses at retirement ÷ the safe-withdrawal rate (4% = 25×). The result is an estimate in Indian rupees, not a quote from any lender, bank or fund.
- Are the default rates current?
- No. Defaults are illustrative starting points. Verify the current rate against the lender's or fund's latest rate card before making a decision.
- Is the FIRE calculator free to use?
- Yes. It runs in your browser, with no login and no inputs sent to a server.