Retirement Calculator

Plan your FIRE journey in a few simple steps

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Age
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Investments
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Assumptions
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Goals
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Expenses
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Results
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How old are you?

Let's start with your current age and when you'd like to retire.

Years
Years
lightbulb You have 17 years to build your retirement corpus!
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Your Investments

How much can you invest today and monthly?

₹0 ₹10Cr
₹1K ₹5L
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0% 25%
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Investment Assumptions

Expected returns and inflation rate

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5% 20%

Equity markets historically return 12-15% annually over the long term.

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2% 12%

India's average inflation is around 5-7%. This affects your purchasing power.

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Major Life Goals

Add big one-time expenses that will impact your corpus (optional)

Quick Add:
info This step is optional. Skip if you don't have major planned expenses.
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Post-Retirement Life

How much will you need to spend after retiring?

₹10K ₹10L
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%
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Your Retirement Plan

Here's how your financial future looks!

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Corpus at Retirement ₹0 (₹0 in today's value)
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Your Corpus Will Last 0 Years Until age 0
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Coast FIRE Age -- Stop investing and coast to retirement
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Success Probability help_outline Monte Carlo Simulation

We run 1,000 simulations with randomized market returns (±15% volatility) to stress-test your plan for Sequence of Return Risk.

Research Target: ≥95% is considered a "resilient plan" per India SWR research.

Learn more →
0% Running simulations...
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Your Withdrawal Rate help_outline Safe Withdrawal Rate (SWR)

Based on India-specific research, recommended SWR:

Low tax (≤₹12L): 3.5% - 4.2%
High tax (30%): 2.7% - 3.2%

The 4% rule from US research is too aggressive for India due to higher volatility and inflation.

Learn more →
0% Calculating...
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Your Corpus Multiple help_outline What is a "Multiple"?

Your corpus multiple (e.g., 25x, 30x, 40x) is your retirement corpus divided by your annual expenses.

25x: Standard FIRE target (4% SWR)
30x: Conservative FIRE (3.3% SWR)
40x: Ultra-safe (2.5% SWR)
50x+: Legacy planning

Higher multiples = lower withdrawal rates = more safety margin.
0x Calculating...
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compare Compare With FIRE Benchmarks
Multiple SWR Success Rate
25x 4.0% --
30x 3.3% --
40x 2.5% --
50x 2.0% --
Your Plan -- --
schedule
Work Longer or Retire Now? See how delaying retirement affects your success rate
Retire Now Age 45
40% Success
+1 year Age 46
-- Success
trending_up +13%
+2 years Age 47
-- Success
trending_up +25%
+3 years Age 48
-- Success
trending_up +36%
lightbulb Calculate to see trade-off analysis
analytics View Breakdown Details
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Years to Retirement 0 years
Total Invested ₹0
Wealth Gained ₹0
Monthly Expenses at Retirement ₹0
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Don't forget your Emergency Fund! Keep ₹6L - ₹12L (6-12 months of expenses) liquid before investing. Why it matters →
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Plan Improvement Options See how small changes can improve your retirement
schedule
Delay Retirement
Retire at 50 instead of 45
New Corpus ₹0
Lasts Until Age 85+
check_circle Lifetime ✓
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Increase SIP
Invest ₹50K/mo instead of ₹30K
New Corpus ₹0
Lasts Until Age 85+
check_circle Lifetime ✓
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Balanced Approach
Retire at 48 + invest ₹40K/mo
New Corpus ₹0
Lasts Until Age 85+
check_circle Lifetime ✓

Your Financial Journey

Watch your wealth grow and sustain through retirement

Accumulation Phase
Retirement Phase
Age Monthly Expense Starting Corpus Returns Annual Expense Major Goals Corpus Left
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What is FIRE?

Financial Independence, Retire Early - a movement focused on extreme savings and investment to retire much earlier than traditional retirement age.

Escape the rat race →
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India's Safe Rate

The famous 4% rule from US research is too aggressive for India. Research suggests 3.5-4.2% for low-tax and 2.7-3.2% for high-tax retirees.

What the research says →
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Start Early

The earlier you start, the more time compound interest has to work its magic. Even small investments can grow significantly over time.

Why it can't wait →