FIRE planner
Estimate your financial-independence number, corpus gap, and required monthly SIP — with Lean, Standard, and Fat FIRE targets.
Runs locally; no financial inputs are uploaded
15 years to FI
- FI number
- ₹6.47 Cr
- Gap
- ₹5.10 Cr
- SIP needed
- ₹1.07 L/mo
At retirement your ₹75,000/mo lifestyle costs ₹1,79,742/mo after inflation. Lean ₹4.85 Cr · Standard ₹6.47 Cr · Fat ₹8.41 Cr.
Accumulation to retirement, then drawdown. The dashed line is the FI target
Not coasting yet
- Coast number today
- ₹1.18 Cr
- Gap today
- ₹93.22 L
- Target at retirement
- ₹6.47 Cr
The coast number is what you need today so the existing corpus alone compounds to the FI target by retirement.
| Change | FIRE age |
|---|---|
| Current plan | 45y |
| +10% SIP | 44y 1m |
| −15% expenses | 43y |
| −2% returns | 48y 5m |
| +1% inflation | 47y 3m |
Uses this plan's required SIP of ₹1,07,207/mo. Deterministic, not a forecast.
| Scenario | Corpus at 85 | Runs out at |
|---|---|---|
| Baseline | ₹11.93 Cr | — |
| Poor first 5 years | ₹0 | Age 73 |
| Low returns (−2%) | ₹0 | Age 76 |
Deterministic paths, not probabilities. The poor-start path holds returns at 0% for the first five retirement years. Values are nominal.
Educational model, not financial advice. Constant pre/post-retirement returns, constant inflation, expenses×withdrawal basis as the FI number, monthly SIP added at the start of each month at the pre-retirement return, retirement withdrawals taken monthly and grown with inflation. Real markets, taxes, fees, and lifestyle changes will move every number above. Currency switches at fixed reference rates (₹85/US$, ₹92/€), not live FX.