Calculators / Retirement
FIRE Calculator
Tell us what you spend and what you invest. We work out the corpus you need, and the age you actually reach it, by testing every age between now and your planning age.
Estimate the money needed to stop working, starting with what you spend each month.
Questions, answered
What is FIRE?
Financial Independence, Retire Early means building enough invested money to cover your spending without depending on a salary. It does not require you to stop working; it means work becomes a choice.
How is the FIRE number calculated?
Your monthly spending is grown by inflation to your target age. That gives the first year of retirement spending. The calculator then finds the pot that can pay that amount every year, rising with inflation, until your planning age, while the remaining balance keeps earning the post-retirement return. On the default numbers that works out near 25 times your first year of retirement spending.
Why does raising my SIP every year matter so much?
It is the one lever you fully control. A SIP that rises 10% a year roughly doubles every seven years, so it front-loads money into the years with the most compounding left. Most people get a yearly increment and never raise the SIP, which quietly pushes their FIRE date out by years.
Is this a guaranteed safe amount?
No. It assumes the same return and inflation every year. Markets, taxes, healthcare and how long you live all change the result. Test a lower return and a longer life before making any decision.
Why is my FIRE number in future rupees?
Your spending is entered in today’s rupees and then grown for inflation to the age you pick. The target is shown in rupees of that year so it can be compared like for like with what your investments will be worth then.
What is Coast FI?
Coast FI is the amount that, if you already hold it, grows into your full FIRE number by your target age without another rupee invested. Past that point every further investment buys an earlier date rather than the date itself.
What is sequence of returns risk?
It is the risk that markets fall early in retirement rather than late. Two portfolios with the same average return can end very differently, because withdrawals taken during an early fall are sold from a smaller pot and never recover. The calculator shows what a 30% fall in the year you stop would do.
Should I include my house and emergency fund?
No. Count only money you will actually spend in retirement: mutual funds, stocks, EPF, PPF, NPS and deposits. The home you live in does not pay your grocery bill, and your emergency fund has a different job.
Free calculator from Qubera. Loading the interactive version…