ફાયર (FIRE) અને નિવૃત્તિ નંબર કૅલ્ક્યુલેટર

1. તમારો આજનો માસિક ખર્ચ, તમારી ઉંમર અને કઈ ઉંમરે નિવૃત્ત થવું છે તે દાખલ કરો.
2. મોંઘવારી (વાર્ષિક) અને સુરક્ષિત વિડ્રૉઅલ રેટ નક્કી કરો. શરૂઆતમાં તે 4% હોય છે; વધુ સાવચેતીભર્યા આયોજન માટે 3થી 3.5% રાખી જુઓ.
3. તમારું હાલનું રોકાણ, દર મહિને કેટલું રોકો છો તે માસિક રોકાણ ખાનામાં, અને નિવૃત્તિ પહેલાં અપેક્ષિત વળતર દાખલ કરો.
4. તમે ટાઇપ કરો કે તરત પરિણામ બદલાય છે: નિવૃત્તિ સમયે તમારો FIRE નંબર, હાલની ગતિએ તમે જેટલું ભંડોળ ભેગું કરશો તે, ઘટ કે વધારો, અને કઈ ઉંમરે તમે આર્થિક રીતે સ્વતંત્ર થશો.
5. ઘટ હોય તો જરૂરી માસિક રોકાણ બતાવે છે કે લક્ષ્ય સુધી પહોંચવા કેટલું રોકવું પડશે. ચાર્ટ અને કોષ્ટકમાં વર્ષવાર તમારું ભંડોળ FIRE નંબર સામે દેખાય છે.

What is FIRE?

FIRE stands for Financial Independence, Retire Early. You're financially independent when your investments are big enough that taking out a small, fixed share each year covers your living costs for the rest of your life. Work becomes optional. That target corpus is your FIRE number. This FIRE calculator works out the number for the age you want to retire, checks whether your current savings and monthly investments will get you there, and tells you the age at which you'd actually cross it.

How the FIRE number is calculated

Dividing by the withdrawal rate is the same as multiplying your yearly expenses by a fixed number: 4% means 25×, 3.5% means about 28.6×, and 3% means about 33.3×. Your corpus grows month by month, the same way it does in our SIP calculator.

Why 4%, and why many Indians use 3–3.5%

The "4% rule" comes from US research, mainly William Bengen's 1994 study and the later Trinity study. Using historical US stock and bond returns, they found that taking out 4% of a portfolio in the first year, then raising the amount with inflation, usually lasted at least 30 years. Planners in India tend to be more cautious, for a few reasons:

• Longer retirements. Retire at 40 or 45 and your money may have to last 45–50 years, not 30.
• Higher inflation. Indian inflation has generally run higher than US inflation, so withdrawals have to rise faster.
• Different markets and costs. The research used US market history. Indian returns, volatility, taxes and fund costs are different.
• Healthcare. Medical bills, and the loss of employer cover once you stop working, add risk.

That's why many Indian financial planners suggest a 3–3.5% withdrawal rate for early retirement. You need a bigger corpus, but you get a wider safety margin.

Worked example

You're 30, spend ₹50,000 a month and want to retire at 45. With 6% inflation, your expenses will be about ₹1,19,800 a month by then, so at a 4% withdrawal rate your FIRE number is about ₹3.59 crore. You have ₹10 lakh invested and add ₹50,000 a month, expecting 12%. By 45 you'd have about ₹3.12 crore, which leaves you about ₹47 lakh short. Investing about ₹59,400 a month instead would close the gap. If you stay at ₹50,000, you'd cross the FIRE number at around 46 years 10 months.

Making the plan realistic

• Count every expense you'll still have after retiring: rent or EMIs, children's education, travel, insurance premiums.
• Plan health cover separately. Buy your own health insurance well before you leave a job with group cover.
• Keep big goals separate. One-off costs like a child's wedding or a new home need their own corpus on top of the FIRE number.
• Assume a cautious return. The calculator uses the same return every year. Real returns jump around, and a crash just before or after you retire does the most damage.
• Step up your SIP. This calculator keeps your monthly investment flat. Raising it as your income grows (our step-up SIP calculator shows how) can bring FIRE forward by years.