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Retirement & FIRE Planner

Retirement & FIRE Planner

Calculate your retirement corpus requirements under Lean FIRE, Standard FIRE, Fat FIRE, and Coast FIRE targets.

All Calculators
Annual Expense Today
₹6,00,000
Expense At Retirement
₹40,36,500

Retirement FIRE Targets

Lean FIRE (15x Annual Expenses)
Minimalist retirement corpus covering basic essentials.
₹6,05,47,500
Standard FIRE (25x Annual Expenses)
Standard 4% withdrawal rule maintaining existing lifestyle.
₹10,09,12,500
Fat FIRE (50x Annual Expenses)
Luxury retirement corpus allowing generous spending and travel.
₹20,18,25,000
Coast FIRE
Corpus needed at Coast Age to grow into standard FIRE without extra contributions.
₹1,81,50,000
FIRE Targets Comparison Chart

Understanding the FIRE (Financial Independence, Retire Early) Movement

The FIRE Movement centers on aggressive saving and disciplined investing to achieve financial freedom and retire years ahead of standard retirement ages.

The 4 Categories of FIRE Explained

  • Lean FIRE (15x Annual Expenses): Aimed at minimalist living, requiring a smaller corpus that covers essential survival expenses (housing, groceries, healthcare).
  • Standard FIRE (25x Annual Expenses): Based on the traditional 4% safe withdrawal rule (Trinity Study), ensuring your corpus lasts 30+ years while maintaining your current standard of living.
  • Fat FIRE (50x Annual Expenses): Aimed at an abundant lifestyle, allowing for luxury travel, leisure, and higher discretionary spending in retirement.
  • Coast FIRE: Accumulating enough investments early in life so that compound growth alone will build your target retirement corpus by age 60 without needing additional monthly savings.

Inflation Factor

At a 6% average annual inflation rate, costs double approximately every 12 years. If your current monthly expenses are ₹50,000 today, you will need ₹4.03 Lakhs per month at age 60 to maintain the exact same purchasing power.

Calculator Disclaimer — One Source Financial Services (ARN: 48230)

This calculator is provided for general informational and illustrative purposes only. The maturity values, returns, and projections shown are indicative estimates calculated using standard compound interest assumptions based on the user's inputs — they do not constitute financial advice, guaranteed returns, or official commitments from One Source Financial Services or product issuers. Actual returns are subject to market volatility, load structures (TER), compounding conventions, applicable Tax Deducted at Source (TDS), and capital gains taxes. Please consult official scheme information documents (SID / KIM) and seek professional financial guidance before making investment decisions.