🔥 FIRE & Retirement Planner - Finayou helps you plan Financial Independence and retirement with clarity, not complexity.

Plan your journey to Financial Independence & Early Retirement (FIRE). This free retirement planner helps you calculate your required corpus, FIRE number, safe withdrawal rate, and portfolio sustainability — all adjusted for inflation and visualized till age 95.

How This FIRE & Retirement Calculator Works

This FIRE planner simulates two key phases — Accumulation and Retirement Withdrawal — to help you understand whether your investments can sustain your lifestyle throughout retirement.

Accumulation Phase: Calculates portfolio growth using SIPs, step-up increases, and expected annual returns.
Inflation Adjustment: Projects your retirement expenses based on long-term inflation.
FIRE Number: Uses the 4% rule to estimate the corpus required for financial independence.
Withdrawal Sustainability: Highlights the age at which your portfolio may fall below required withdrawals.
Visual Insights: Interactive charts show portfolio growth, invested amount, and danger zones.

The calculator assumes a life expectancy of 95 years to encourage conservative and realistic retirement planning.

Frequently Asked Questions (FAQs)

What is the FIRE number?
The FIRE number is the total corpus required to retire comfortably, calculated as 25× your annual expenses (based on the 4% withdrawal rule).

What is a safe withdrawal rate?
A safe withdrawal rate indicates how much you can withdraw annually without running out of money. Traditionally, this is around 4%, but it varies by return and inflation.

Is this FIRE calculator suitable for India?
Yes. This planner accounts for inflation, SIP investing, and long retirement durations typically relevant for Indian investors.

Does this tool use Monte Carlo simulation?
No. This calculator uses deterministic projections for clarity and transparency.