FIRE calculator for India
When can you stop working?
Find the age you can retire at, or the SIP you need to get there. It includes Indian taxes, EPF, PPF and NPS rules, children's education and the ups and downs of the market.
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Why it's different
Most FIRE calculators stop at 25× expenses.
That rule comes from US data. Indian plans have longer horizons, higher inflation and big costs at set ages.
Built for Indian taxes
Both regimes, LTCG on equity, slab-rate debt gains, 44ADA consulting, surcharge and cess. Withdrawals are grossed up so you receive what you need after tax.
Your real life, year by year
Children's school, college and weddings, parents, health premiums that rise with age, EMIs, a second earner, EPF, PPF and NPS lock-ins.
Tested in 1,000 markets
Not one optimistic return. Your plan runs through 1,000 simulated market histories, so you see how likely it is to last, and what a bad decade does.
How it works
Three steps to your answer
- Answer a few questionsTwo minutes: your age, take-home pay, spending and what you have saved. Add children, loans and goals if you have them.
- See your answerThe age you can retire at, or the SIP you need to retire when you want, with the chance it works.
- Play with itSlide your SIP, spending and retirement age and watch the answer move. Save scenarios to compare.
Questions
Common questions
What is a FIRE number?
The investments you need on the day you stop working so that, after tax, they pay for the rest of your life: household spending, children's education and weddings, parents, health insurance and loans. Here it's worked out for your actual cash flows, year by year, rather than as 25× your expenses.
Why isn't it just 25× my annual expenses?
The 25× (4%) rule comes from US data over 30-year retirements. Indian early retirees face longer horizons, higher inflation and big one-off costs such as education. Those costs land at specific ages. This calculator simulates each year instead and tells you what withdrawal rate your plan actually implies.
How does it handle market crashes?
Your plan is run against 1,000 simulated market histories for equity, debt and gold. You choose how confident you want to be (90% by default), and the answer is the earliest age, or the smallest SIP, that keeps you solvent in at least that share of histories. The shaded bands show the range of outcomes.
Which taxes are included?
FY 2025-26 rules under either regime. The New Regime has the ₹75,000 standard deduction and the ₹60,000 Section 87A rebate. The Old Regime has your deductions, the age-based exemptions for seniors and 80D on health insurance after you retire. Both cover 12.5% LTCG on equity above ₹1.25 lakh, slab-rate tax on debt fund gains, rent after the 30% deduction, consulting income under 44ADA, surcharge and cess. Withdrawals are grossed up so you receive what you need after tax. With a spouse, gains are split between your two sets of slabs.
What about EPF, PPF and NPS?
Each is tracked separately with its own rules. EPF stops earning interest at 58 and is available after the waiting period you set. PPF is available when you retire. NPS stays locked until 60, when 40% must buy a taxable annuity. If you retire before 60, the calculator checks that your other money can carry you until then.
Can I plan as a couple?
Yes. Add a spouse or second earner with their age, take-home pay, retirement age and EPF. Their income funds the household while they work, and the plan runs until the younger of you reaches the planning age. You set how much of the investments is in their name, and the gains on that part are taxed in their hands.
Is my data stored?
Your scenarios are saved to the Google account you sign in with, so they sync across your devices. Only your name, email and plans are stored, and you can delete everything at any time.
Find out when you can stop working
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