FIRE Retirement Simulator
Estimate your FIRE corpus with inflation, the monthly SIP needed to retire early and track yearly growth
Retirement Details
FIRE Plan
Corpus Needed (25x rule, SWR 4%)
$35,948,373
Monthly SIP needed: $60,397/mo × 15 yrs
Expenses at Retirement
$119,828/mo
Savings Grow To
$5,473,566
About this Tool
The FIRE (Financial Independence, Retire Early) simulator inflates your current monthly expenses to your retirement age, then applies the 25x rule (4% safe withdrawal rate) to find your target corpus. It also back-calculates the monthly SIP needed to bridge the gap after growing your current savings.
Common Use Cases
Early Retirement Target
See the exact corpus needed to quit at 40 or 45 at today's lifestyle.
SIP Goal Setting
Convert a large corpus into a simple monthly investment figure.
Inflation Reality Check
Watch how 6% inflation multiplies expenses over 15-20 years.
Coast FIRE Test
Check if current savings alone can compound to your number.
Pro Tips
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Track Real Spending
Base expenses on 6-12 months of actuals, not guesses — small errors compound hugely.
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Keep Equity Heavy Early
A 10-12% long-term return assumption needs sustained equity exposure.
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Revisit Yearly
Lifestyle, inflation and returns drift — rerun this plan every year.
FAQs
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