FIRE calculator
Enter your expenses, what you save each month and what you've invested. See when your investments could cover your life.
- Inflation included
- Your own withdrawal rate
- Free, no sign-up
Tax in early retirement
Withdrawals from funds, deposits and EPF are taxed differently. Our experts plan a drawdown that keeps tax low.
Questions people often ask
Is EPF taxed if I stop working early?
EPF is tax-free after 5 years of continuous service. Interest earned after you stop contributing is taxable.
How are equity fund withdrawals taxed?
Gains on funds held over a year are taxed at 12.5% above ₹1.25 lakh a year.
Finding your FIRE date
When savings catch up with the target.
- FIRE number = yearly expenses ÷ withdrawal rate.
- Each year your savings grow and the target rises with inflation.
- FIRE is the year savings pass the target.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Investor education: how investments grow, and their risks Securities and Exchange Board of India
Common questions
What is FIRE?
Financial Independence, Retire Early: saving and investing enough that your investments can pay your expenses for life.
What is the FIRE number?
Yearly expenses ÷ withdrawal rate. At 3.5%, that's about 28.6 times your yearly expenses.
What withdrawal rate should I use?
The 4% rule comes from US market history. Many Indian planners suggest 3% to 3.5% because of higher inflation.
Why does the target rise?
Your expenses rise with inflation, so the FIRE number keeps growing until you reach it.
What raises my chances?
Saving a higher share of income matters most; returns and the withdrawal rate come next.
