FIRE Planner Calculator
Financial independence corpus with multi-phase savings.
Inputs
This calculator is for general information only and isn't financial advice. Rates, tax rules, and your actual eligibility depend on your specific situation — check with your bank or a qualified advisor before acting on it.
Formula
Corpus = Σ (Phase savings × growth) + current savings; Runway = years until corpus depletes
Savings grow in two phases — each year's contributions plus prior balance compound at the expected return. At the FIRE target age, current monthly spending is inflated to estimate retirement-year expenses. Runway counts how many years the corpus can sustain those rising withdrawals while still earning returns.
Worked example
A 30-year-old with ₹10 lakh saved, investing ₹50,000/month until 35 and ₹80,000/month until 45 at 10% return, could build a corpus near ₹2.5 crore by age 45. If today's ₹40,000/month lifestyle inflates to roughly ₹96,000/month by then, the calculator estimates how many years that corpus sustains withdrawals — the core FIRE question.
Where this can give the wrong answer
- Phase 1 end age must fall between current age and FIRE target — overlapping or inverted phases return an error.
- Runway assumes constant expected return during withdrawal, which optimistic markets can violate in the first few retirement years (sequence-of-returns risk).
- Healthcare, rent-free housing, and geographic arbitrage aren't modelled — adjust monthly spend to reflect your actual FIRE lifestyle.
FAQ
- The retirement calculator tells you how much to save to fund a traditional retirement at 60. FIRE planner targets early retirement with two savings phases and measures how long your corpus lasts once you stop earning — suited to aggressive savers aiming for financial independence before 60.