FIRE Calculator

↻ Updated FY 2026-27

FIRE — Financial Independence, Retire Early — is about building a corpus that funds your expenses indefinitely. Estimate your target corpus and how many years of investing it takes to get there.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Current age

Monthly expenses

Current corpus

Monthly investment

Expected annual return

Safe withdrawal rate

FIRE corpus target

₹1,80,00,000

4% rule

Years to FIRE

11.3 yr

at age 41

Annual expenses

₹7,20,000

₹60,000/mo

Corpus growth to FIRE12% return

year 1FIRE in yr 12

Summary

Annual expenses₹7,20,000

FIRE corpus (4% rule)₹1,80,00,000

Current corpus₹10,00,000

Monthly investment₹50,000

Age at FIRE41 years

ASSUMPTIONS — FIRE corpus is annual expenses divided by your safe withdrawal rate (the 4% rule). Expenses are held constant and the corpus grows at a constant 12% return — real returns and inflation vary, and the 4% rule is a US-derived rule of thumb. Mutual fund returns are market-linked and not guaranteed.

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Sources & rate references

·Income Tax Department, India — tax slabs FY 2026-27 — New & old regime slabs, standard deduction, 87A rebate (AY 2027-28)
·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged
·GST Council (56th meeting) — GST 2.0 rate structure — Slabs 0/5/18/40% effective 22 Sep 2025
·EPFO — EPF interest rate — 8.25% p.a. (latest declared)
·Income Tax Department — capital gains (Budget 2024 rules) — Equity STCG 20%, LTCG 12.5% over ₹1.25L
·AMFI — SIP is market-linked; returns are assumptions

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.