Retirement / FIRE Calculator
Enter your age, target retirement age and current monthly expenses.
The 25x rule and the 4% rule explained
The 4% rule suggests that withdrawing about 4% of your retirement corpus each year gives your money a high probability of lasting through a 25-30 year retirement, based on historical market return studies. This is mathematically identical to the 25x rule: saving 25 times your annual expenses, since 1 ÷ 4% = 25.
What is FIRE and is it realistic in India?
FIRE (Financial Independence, Retire Early) is achievable in India through a high savings rate — often 50% of income or more — invested consistently into equity mutual funds via SIP over 15-20 years. It requires meaningful income, controlled lifestyle inflation, and the discipline to keep investing through market downturns rather than panic-selling.
How EPF and NPS fit into the picture
Your Employee Provident Fund (EPF) and National Pension System (NPS) balances both count toward your retirement corpus. This calculator shows the total corpus needed and the SIP required to reach it — add your expected EPF/NPS maturity value separately when judging whether you're on track, or use the full Life Cost Calculator which factors in your existing savings.
Frequently asked questions
Withdrawing about 4% of your corpus each year gives a high probability of your money lasting through retirement — mathematically the same as saving 25 times your annual expenses.
FIRE stands for Financial Independence, Retire Early — achievable through high-savings-rate SIP investing over 15-20 years, though it requires significant income and discipline through market cycles.
Both contribute toward your total corpus and should be added to your other investments when checking if you're on track. This calculator focuses on the SIP-based corpus needed beyond EPF/NPS.