Your FIRE number
FIRE number = yearly expenses ÷ safe withdrawal rate
With ₹60,000 a month of expenses and a 3.5% withdrawal rate, you need about ₹2.06 crore in today's money. Because expenses rise with inflation, the target keeps moving; investing ₹60,000 a month, raised 5% a year, gets you there at about 46.
Questions people ask
What is FIRE?
Financial Independence, Retire Early: saving and investing enough that your investments can pay for your living costs, so working becomes optional.
Why 3.5% and not the 4% rule?
The 4% rule comes from US data. With higher inflation in India and possibly longer retirements, many Indian planners prefer a safer 3–3.5% withdrawal rate, which needs a bigger corpus.
What about health costs?
Retiring early means paying for your own health insurance for decades. Add that to your expenses and keep a separate emergency fund.
Method and sources
FIRE number = yearly expenses (grown by inflation) ÷ safe withdrawal rate. Your current corpus and monthly investment (raised yearly) grow at the expected return, compounded monthly, until they reach the FIRE number. Returns are assumed, not guaranteed; taxes are not included. How we calculate.
Last reviewed 22 Oct 2026 by the WealthFeedz team.