Annual Expense
₹6,00,000
Annual Expense At Retirement (inflation adjusted)
₹40,36,500
Years to Retire
20 Years
Lean FIRE
15x Expenses
₹6.05 Cr
Regular FIRE
25x (4% Rule)
₹10.09 Cr
Fat FIRE
50x Expenses
₹20.18 Cr
Coast FIRE
Stop & Let It Grow
₹1.82 Cr
Amount needed by age 22 to reach FIRE without more contributions
FIRE (Financial Independence Retire Early) is a financial strategy designed to achieve financial freedom at the earliest opportunity. This is accomplished by saving a substantial portion of your earnings and investing it to generate passive income.
💡 Research shows that 67% of working professionals enter retirement without savings. FIRE helps you not only retire early but also enjoy your retirement in peace.
Lean FIRE (15x Rule)
Achieve financial independence with a minimalist lifestyle. Multiply your inflation-adjusted yearly expense by 15. You can continue to work at a smaller income or maintain a lean lifestyle.
Regular FIRE (4% Rule / 25x Rule)
The most popular FIRE approach. Spend 4% of your total corpus every year. Multiply your inflation-adjusted yearly expense by 25 to achieve this target.
Fat FIRE (50x Rule)
Retire with a luxurious lifestyle. Multiply your inflation-adjusted yearly expense by 50 and reinvest wisely so the cycle continues indefinitely. You'll never run out of money.
Coast FIRE
The amount at which your existing investments will compound to reach your FIRE number without any additional investments. For example: If you want to retire at 50 but stop investing at 45, Coast FIRE is the amount you need by 45. Over the next 5 years, it compounds to reach your target without new contributions.
💰 Pro Tip: Start with Lean FIRE and gradually work towards Regular or Fat FIRE as your income grows. Coast FIRE is a great milestone to aim for in your early career!