Financial Independence, Retire Early

Know the number
that lets you stop.

Type what you spend and save. See the year you could stop.

FIRE is a corpus large enough that a small withdrawal covers your yearly spend — so a salary becomes optional. You do not have to retire at 40. Type what you spend and save. See the year you could stop. India in rupees, everywhere else in dollars. No login, no fund pitch.

Independence, not a product pitch Runs in your browser Never a ticker

Try it below

₹

Try it — right here

Type the boxes. Calculate writes the year.

Running the numbers…

Your age Monthly SIPs Yearly SIP step-up % (10% plan) Annual spend Liquid savings

Running the numbers…

Inputs changed — calculate to refresh.

After you calculate

The year, the pots, and what moves them — from the boxes.

The number today, and what 20 years of inflation does to it
Your pots versus the corpus you need, year by year
Each pot today next to what it becomes later
What moves the year, and whether a pay cut still lands

Still to go

Lifestyle corpus

In 20 years

You have today

Monthly going in

You'll be

Your money versus what you need

The key under the chart is the three lines. Independence is where spendable money meets the dashed line.

What moves the year

Salary optional — still land?

Same pots. Less going in. Educational, not a resignation plan.

What the crossing is

See each pot today vs later

Liquid savings, SIPs, bonds, gold, NPS, EPF, PPF, jewellery, housing — today’s rupees and the future amount for every sleeve.

Liquid savings, invested pots, gold, retirement, jewellery, housing — today’s dollars and the future amount for every sleeve.

Open the full FIRE calculator

Who built this

Onkar Sawarna

Software by day · personal finance, compounding, FIRE

I have a keen interest in personal finance and compounding — and I’m passionate about making money work for us. That’s why the number exists.

About me

Know the number that lets you stop.

Onkar Sawarna

Know the number
that lets you stop.