🔥 FIRE Calculator

How much do you need to
never work again?

Built for Indian doctors — accounts for your late start, high income, and a 3.5% safe withdrawal rate adapted for Indian markets.

① Set your details
→
② See your FIRE number
→
③ Adjust to find your path

About You

Specialty ?
Practice Type
Current Age 32 yrs
Doctors typically start investing at 28–32 24 – 60
Target Retirement Age ? 50 yrs
18 years to go 35 – 70

Your Money

Monthly Take-Home Income
₹
Monthly Expenses (incl. EMIs)
₹
Current Portfolio Value ?
₹
Education Loan Outstanding ?
₹
Monthly Savings / SIP ? auto
₹

Market Assumptions

Expected Annual Return ? 12.0%
Nifty 50 historical CAGR ~12% 6% – 18%
Inflation Rate ? 6.0%
Healthcare inflation often runs ~8% 3% – 12%
Safe Withdrawal Rate ? 3.5%
3.5% is safer for India's longer life expectancy 2.5% – 5%
🔥 Your FIRE Number
₹—
Calculating…
0% of goal saved ₹0 today
⏳ Calculating your FIRE plan…

Monthly Investment

Your current SIP —
Required SIP to hit target —
calculating…
FIRE Year
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Savings Rate
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of income
Years to FIRE
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Corpus at Target
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projected value
Portfolio Growth Projection
Your portfolio
FIRE target

FIRE Variants

Lean FIRE
—
5% SWR · frugal
Standard
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3.5% SWR · balanced
Fat FIRE
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2.5% SWR · abundant

Journey Milestones

25% of FIRE number
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50% · Coast FIRE zone
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75% · almost there
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🔥 Full Financial Independence
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Coast FIRE

Coast FIRE Number
Save this amount now and stop — it'll grow to your full FIRE number by retirement with no more contributions needed.
₹—
calculating…
⏰
The Doctor's Late Start
Doctors finish residency at 28–32, starting 6–8 years after peers. But higher income offsets this — investing ₹1L/month from age 30 still reaches FIRE faster than most professionals.
🛡️
Tax-Boost Your Returns
₹1.5L in 80C (ELSS/PPF) + ₹50,000 NPS 80CCD(1B) + ₹25,000 health insurance 80D = up to ₹70,000 saved in taxes yearly. That's extra SIP money for free.
🩺
FIRE ≠ Quit Medicine
Most FIRE doctors continue practice — on their own terms. Fewer OPDs, only cases they love, no weekend emergencies. Financial independence gives you the power to say no.