Retirement Corpus & FIRE कैलकुलेटर — मुफ़्त ऑनलाइन टूल और फॉर्मूला
Calculates financial independence corpus using the 4% rule, projected living expenses, inflation, and required monthly SIP accumulation.
फॉर्मूला और गणना की विधि
The FIRE (Financial Independence, Retire Early) corpus is based on the Trinity Study's Safe Withdrawal Rate (SWR) model (traditionally 4%, or 25x annual expenses). Future expenses are adjusted for inflation up to retirement age, and the required monthly SIP is computed to bridge the gap from zero.
वेरिएबल परिभाषाएँ और माप इकाइयाँ
Retiring in 15 Years on Current Monthly Expenses of ₹50,000 (6% Inflation, 4% SWR)
The 4% Safe Withdrawal Rule & Sequence of Returns Risk
The 4% rule originated from the 1998 Trinity Study, which found that a 50/50 stock/bond portfolio sustained a 30-year retirement 95% of the time when withdrawing 4% initially and adjusting for inflation each subsequent year.
For early retirees seeking 40- to 50-year retirements, financial planners recommend a conservative SWR of 3.25% to 3.5% (28x to 30x annual expenses) to insulate against severe sequence-of-returns drawdowns early in retirement.
Retirement Corpus & FIRE कैलकुलेटर से जुड़े अक्सर पूछे जाने वाले प्रश्न
What is the difference between Lean FIRE, Fat FIRE, and Coast FIRE?
Lean FIRE covers bare survival expenses (basic shelter/food). Fat FIRE allows a luxurious lifestyle with travel and high discretionary spending. Coast FIRE is having enough invested early that compounding alone reaches full retirement without further savings.
Does the 4% rule work in India and high-inflation economies?
Because inflation in India is typically 5%–7% (higher than US 2%–3%), financial advisors suggest targeting 30x to 35x annual expenses (a 3.0%–3.3% SWR) and maintaining 60% equity exposure post-retirement.
How does healthcare inflation affect FIRE planning?
Medical inflation often runs at 10%–14% per year, much higher than general CPI. Ensure you carry comprehensive private super top-up health insurance alongside your liquid FIRE corpus.
Should home equity be counted towards the liquid FIRE number?
No. Your primary residence does not generate cash flow to pay grocery bills. Only liquid, yield-bearing assets (mutual funds, stocks, bonds, rental properties) should be counted in your FIRE corpus.
संबंधित ऑनलाइन कैलकुलेटर
Retirement Corpus & FIRE कैलकुलेटर के साथ अक्सर संदर्भित अन्य कैलकुलेटर।
एसआईपी कैलकुलेटर
मासिक एसआईपी निवेश पर चक्रवृद्धि ब्याज की शक्ति (Power of Compounding) के साथ भविष्य के संभावित वेल्थ कॉर्पस की गणना करें।
स्टेप-अप एसआईपी कैलकुलेटर
हर साल अपने वेतन वृद्धि के साथ एसआईपी में 5%, 10% या 15% की वृद्धि करके अपने लक्ष्य को वर्षों पहले हासिल करने का अनुमान लगाएं।
NPS (National Pension System) (India) कैलकुलेटर
Projects retirement pension wealth, 60% tax-free lump-sum withdrawal, and 40% mandatory annuity monthly pension under the PFRDA NPS scheme.