Calculate your path to Financial Independence, Retire Early
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FIRE (Financial Independence, Retire Early) is about saving and investing aggressively to build enough wealth to live off investment returns, giving you the freedom to work optionally.
Based on the Trinity Study, you can withdraw 4% of your portfolio annually in retirement. This means your FI Number = Annual Expenses x 25.
When your investments will grow to your FI number by retirement age without additional contributions. You can "coast" by just covering current expenses.
Lean FIRE (20x) - Minimal lifestyle. Regular FIRE (25x) - Comfortable. Fat FIRE (33x) - Abundant lifestyle with buffer.
A 20% savings rate is a good starting point. 35%+ is considered strong for FIRE aspirants, and 50%+ is exceptional. The higher your savings rate, the faster you reach financial independence. With a 50% savings rate, you could potentially reach FI in 15-17 years.
The 4% rule is based on US market data. For India, some advisors recommend a more conservative 3-3.5% withdrawal rate due to higher inflation and currency considerations. Our calculator uses the standard 25x multiplier but you can adjust your target based on your risk tolerance.
Generally, your primary residence should not be included in your FI number since it doesn't generate income. Only include investments that can generate returns or be liquidated to fund your retirement.
Healthcare is a crucial consideration for early retirees. Include health insurance premiums and out-of-pocket medical costs in your monthly expenses. Consider budgeting extra as healthcare costs typically increase with age.