FIRE calculator for India
Indian plans face higher nominal returns and higher inflation at the same time, so the real return - not the headline one - decides the date. Switch the currency to rupees at the top of the page and enter your own figures.
Open an investment account
We explain exactly what to compare before you open anything - costs, protection and the traps.
Think in real returns
An 11% nominal return with 6% inflation is a 5% real return, which is not far from a 7% nominal return with 2% inflation elsewhere. The FI number must be judged on what it buys, not on its size.
Because Indian inflation has historically run higher, a conservative withdrawal rate matters more, not less. Many Indian plans work at 3-3.5%.
The usual building blocks
Equity mutual funds through monthly SIPs form the growth core of most plans, with EPF and PPF providing a debt allocation that is difficult to replicate elsewhere.
NPS adds a further tax-advantaged layer with its own restrictions on access. As everywhere, money locked until a set age cannot fund an early retirement - the liquid portfolio has to.
Frequently asked questions
What is a realistic return assumption for Indian equity?
Long-run nominal returns on broad Indian equity indices have been high, but past performance is not a forecast. Test your plan at a rate two or three points lower before committing to a date.
How much monthly SIP do I need for FIRE?
Enter your annual spending, current investments and target age, and the calculator gives the exact monthly figure.
Does EPF count towards my FIRE number?
It counts towards net worth, but restricted access means it usually cannot fund the first years of an early retirement.
What withdrawal rate suits India?
Given higher historical inflation, many planners use 3-3.5% rather than 4% for long horizons.
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