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Finance Calculators

FIRE Number Calculator

Verified formula Updated Jun 2026 Private — runs on your device

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Verified formula Private

FIRE number (4% rule)

₹1,50,00,000

Conservative target (3% rule)
₹2,00,00,000

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the FIRE Number Calculator

The FIRE Number Calculator works out your fire number (4% rule), along with 1 related figure in an instant. Enter annual expenses in retirement and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the annual expenses in retirement.
  2. Read off your fire number (4% rule), together with conservative target (3% rule) — the calculator updates automatically, with no button to press.

Formula

The FIRE Number Calculator uses the formula:

FIRE number (4% rule) = Annual expenses in retirement × 25

Worked example

For example, with annual expenses in retirement of ₹600,000, the fire number (4% rule) is ₹1,50,00,000.

Inputs used
Annual expenses in retirement ₹600,000
Results
FIRE number (4% rule) ₹1,50,00,000
Conservative target (3% rule) ₹2,00,00,000

Results are estimates for educational use, not professional advice.

Frequently asked questions

It is the portfolio size that lets you live off withdrawals indefinitely. Using the 4% rule it is 25 times your annual expenses, so 6,00,000 a year needs 1,50,00,000.

It suggests you can withdraw about 4% of your portfolio in the first year, then adjust for inflation, with a low chance of running out over a long retirement.

A 3% withdrawal rate is more conservative and safer for very long or early retirements, requiring a larger portfolio of about 33 times expenses.

The rule assumes inflation-adjusted withdrawals. Enter today's expenses, and revisit the figure as your real spending changes.

The FIRE Number Calculator uses the formula: FIRE number (4% rule) = Annual expenses in retirement × 25. For example, with annual expenses in retirement of ₹600,000, the fire number (4% rule) is ₹1,50,00,000.

Enter the annual expenses in retirement. Read off your fire number (4% rule), together with conservative target (3% rule) — the calculator updates automatically, with no button to press.

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