Planning

FIRE Calculator

Estimate your target corpus for financial independence and a rough timeline to reach it.

Currency

Current invested corpus

Annual expense

Annual contribution

Expected annual return (%)

Safe withdrawal rate (%)

How it is calculated

The calculator first estimates a financial-independence target from your annual expenses and chosen withdrawal assumption. It then projects how your current corpus grows each year after adding annual contributions at the expected return rate. Based on when this projected corpus reaches the target, it shows the estimated years to target and projected FI year.

Assumptions

Expenses and annual contribution remain stable.
Returns are modeled as a fixed annual rate.
No tax, inflation drift, or sequence risk in timeline.

Why it matters

This provides a transparent benchmark to compare current assets, savings rate, and expected timeline.

Disclaimer: FIRE models are simplified estimates for education. Real-world outcomes depend on market variability, inflation, tax, and spending changes.