India FIRE Calculator
Calculate your Financial Independence number with India-specific inflation (6%+), healthcare costs, equity/debt split, and LTCG tax. The US 4% rule doesn't work here — Indian research suggests 3-3.5% SWR.
Financially independent at
Age 51
Financially independent at
Age 51
21 years from now
FIRE number
₹4.4Cr
Expenses at FIRE
₹15.4L/yr
Annual investment
₹6L
Savings rate
50%
Portfolio returns
Blended return
10.5%
Real return
4.25%
LTCG tax/yr
₹81,979
Blended = 70% equity @ 12% + 30% debt @ 7%. Real return after 6% inflation (Fisher equation). LTCG: 12.5% on equity gains above ₹1.25L/yr exemption.
Why inflation matters more in India
At 6% inflation, your ₹6,00,000/yr expenses will become ₹15,44,776/yr by age 45. Healthcare (10% of expenses) inflates faster at 10%. The 4% SWR rule is based on US data — Indian research (Rajan Raju & Saraogi, SSRN 2024) suggests 3-3.5%.
What if inflation changes?
| Scenario | Inflation | FIRE number | Years |
|---|---|---|---|
| Optimistic | 4% | ₹3.5Cr | 19 |
| Base case | 6% | ₹4.4Cr | 21 |
| Conservative | 8% | ₹5.6Cr | 23 |
Path to financial independence
| Age | Invested | Growth | Corpus |
|---|---|---|---|
| 30 | ₹10L | ₹0 | ₹10L |
| 31 | ₹16L | ₹1.1L | ₹17.1L |
| 32 | ₹22L | ₹2.8L | ₹24.8L |
| 33 | ₹28L | ₹5.4L | ₹33.4L |
| 34 | ₹34L | ₹9.0L | ₹43.0L |
| 35 | ₹40L | ₹13.5L | ₹53.5L |
| 36 | ₹46L | ₹19.1L | ₹65.1L |
| 37 | ₹52L | ₹25.9L | ₹77.9L |
| 38 | ₹58L | ₹34.1L | ₹92.1L |
| 39 | ₹64L | ₹43.8L | ₹1.1Cr |
| 40 | ₹70L | ₹55.1L | ₹1.3Cr |
| 41 | ₹76L | ₹68.2L | ₹1.4Cr |
| 42 | ₹82L | ₹83.4L | ₹1.7Cr |
| 43 | ₹88L | ₹1.0Cr | ₹1.9Cr |
| 44 | ₹94L | ₹1.2Cr | ₹2.1Cr |
| 45 | ₹1Cr | ₹1.4Cr | ₹2.4Cr |
| 46 | ₹1.1Cr | ₹1.7Cr | ₹2.7Cr |
| 47 | ₹1.1Cr | ₹2.0Cr | ₹3.1Cr |
| 48 | ₹1.2Cr | ₹2.3Cr | ₹3.5Cr |
| 49 | ₹1.2Cr | ₹2.7Cr | ₹3.9Cr |
| 50 | ₹1.3Cr | ₹3.1Cr | ₹4.4Cr |
| 51 | ₹1.4Cr | ₹3.5Cr | ₹4.9Cr |