Financial Calculators

Hypothetical-rate planning tools. For live fund NAVs, use the SIP Calculator in the main nav.

FIRE

Lean, Comfortable, and Fat FIRE ages, plus the extra SIP needed for a target FIRE age.

Lifestyle settings

Applied on today’s expenses before inflation. 0 keeps spend unchanged. Negative values mean a cheaper lifestyle.

Lean FIRE lifestyle change

Default 0%: same as today’s expensesComfortable FIRE lifestyle change

Default 20% more than todayFat FIRE lifestyle change

Default 50% more than today

How long the corpus must last

FIRE is reached only if remaining corpus stays above zero through this age. Default is 90.

Corpus must last until age

This is the sustainability horizon, not a checkpoint

At survival age, corpus must be at least the corpus at FIREOff: leftover just needs to stay above zero. On: leftover at age 90 must be ≥ corpus when you retired.

Corpus checkpoints

Snapshots of remaining corpus at these ages. They do not define how long the corpus must last. Defaults are 60 and 80.

Age 1

Age 2

Current age

Monthly expenses today

₹

Before Lean / Comfortable / Fat upliftsExpense inflation

Yearly increase in living costsReturn after FIRE

Used once you stop working

Include LTCG on withdrawals

LTCG tax rate

Applied on realised gains after the yearly ₹1.25 lakh exemption.

Type

Amount today

₹

Expected return

Type

Amount today

₹

Expected return

These run until FIRE age. Reverse SIP is extra on top of these.

Name

Monthly amount

₹

Expected return

Yearly step-up