Retirement / FIRE Calculator

Find the corpus you need to retire – or reach financial independence early – and the monthly SIP to get there.

Retirement Corpus / FIRE Calculator

How much do you need to retire – early or on time – and how much should you invest every month to get there?

What you spend today on your lifestyle (excluding EMIs that will end before retirement).

Inflation and return assumptions

Usually lower – most retirees move to safer, low-risk options.

Corpus you need at retirement₹6,94,68,933₹6.95 crore
Monthly investment needed
₹14,588
Monthly expenses at retirement
₹2,87,175₹2.87 lakh
Your current savings will grow to
₹1,79,74,821₹1.8 crore
Gap to fill
₹5,14,94,112₹5.15 crore

Results are estimates for educational purposes only and are not financial, tax or legal advice. For more details, do consult a lawyer or a subject-matter expert.

Your retirement corpus by age

Projected corpus
View chart data as a table
Your retirement corpus by age
AgeProjected corpus
30₹5,00,000
31₹7,50,274
32₹10,32,289
33₹13,50,071
34₹17,08,155
35₹21,11,653
36₹25,66,325
37₹30,78,661
38₹36,55,974
39₹43,06,504
40₹50,39,538
41₹58,65,539
42₹67,96,298
43₹78,45,100
44₹90,26,917
45₹1,03,58,617
46₹1,18,59,210
47₹1,35,50,117
48₹1,54,55,472
49₹1,76,02,474
50₹2,00,21,770
51₹2,27,47,893
52₹2,58,19,757
53₹2,92,81,210
54₹3,31,81,662
55₹3,75,76,789
56₹4,25,29,327
57₹4,81,09,972
58₹5,43,98,382
59₹6,14,84,320
60₹6,94,68,933
61₹7,13,04,665
62₹7,30,63,949
63₹7,47,27,270
64₹7,62,72,750
65₹7,76,75,905
66₹7,89,09,393
67₹7,99,42,726
68₹8,07,41,959
69₹8,12,69,360
70₹8,14,83,036
71₹8,13,36,534
72₹8,07,78,403
73₹7,97,51,718
74₹7,81,93,561
75₹7,60,34,453
76₹7,31,97,742
77₹6,95,98,925
78₹6,51,44,925
79₹5,97,33,290
80₹5,32,51,331
81₹4,55,75,177
82₹3,65,68,756
83₹2,60,82,675
84₹1,39,53,012
85₹0
Explain this result

Your expenses of ₹50,000 a month grow with inflation (6.00%) for 30 years, reaching ₹2,87,175 a month when you retire.

The corpus must pay that amount – rising with inflation every year – for 25 years while it earns 8.00%. That is a growing annuity: Corpus = W × (1 − xN) ÷ (1 − x), where W is the first year's expenses, x = (1 + inflation) ÷ (1 + return) and N the years in retirement = ₹6,94,68,933.

Your current savings could grow to ₹1,79,74,821. The gap of ₹5,14,94,112 is met by investing about ₹14,588 a month at 12.00%.

Frequently asked questions

What is FIRE?

Financial Independence, Retire Early – saving and investing aggressively so that your investments can cover your expenses well before 60.

Is 25 times annual expenses enough?

The "25x rule" comes from US data. In India, with higher inflation, many planners suggest 30–40x for early retirees. This calculator works it out from your own assumptions.

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Worked example

Age 30, retiring at 60, spending ₹50,000 a month today. At 6% inflation, that becomes about ₹2.87 lakh a month by 60. To fund it until age 85 (earning 8% after retirement), you need a corpus of about ₹6.95 crore. With ₹5 lakh already saved and 12% returns before retirement, a SIP of about ₹14,600 a month closes the gap.

How to use it

  1. Enter today’s monthly expenses – not your salary.
  2. Keep inflation at 6% or higher; healthcare costs rise faster.
  3. Use cautious returns: lower after retirement, when you move to safer investments.

Tips

  • Start early: every 5-year delay sharply increases the monthly SIP needed.
  • EPF, PPF and gratuity all count toward your corpus.
  • Keep 6–12 months of expenses in an emergency fund outside the corpus.