πŸ”₯ FIRE Calculator β€” for the Indian salaried employee

πŸ“– Guide
Personal
Monthly investments
monthly β‚Ή Β· return % Β· tick β€œauto step-up” to grow a contribution yearly by your salary-growth %
Total monthly savings
Current balances (β‚Ή)
Each balance grows at the return % set in Monthly investments.
Retirement timing
The age you'd like to retire. The tool finds the earliest age you actually can (corpus survives to life expectancy) and flags scenarios green only if they meet your target.
Liabilities (loans)
The balance reduces net worth today. Enter yrs left and the tool computes the EMI β€” if the loan is still running after you retire, that EMI is an extra drain on the corpus until it's paid off, then it stops. (EMIs while you're still working are assumed paid from salary.)
Life events
One-time outflows at a given age (amounts in today's β‚Ή, inflated to that year). Before retirement they draw from your liquid corpus (equity/debt/FD); after retirement, from the retirement corpus.
Event
Your age
Amount today
Properties (real estate)
Each property is illiquid and grows at its rate. Set a Sell age (your age) to liquidate it β€” the after-tax proceeds move into your investment corpus and grow with it from then on. Leave Sell age blank to hold it (its value passes as inheritance). Bought for is what you originally paid (the cost basis for capital-gains tax) β€” leave blank to assume you bought at today's value.
Applied to the gain (sale value βˆ’ the value entered above) when a property is sold; only the after-tax proceeds enter your corpus. Default 12.5% = India's LTCG rate on property (post-Budget-2024, without indexation). Held (unsold) property isn't taxed.
Retirement income & extra costs
Other retirement income (rent, pension, part-time) reduces how much you draw from the corpus. Healthcare is tracked separately because it inflates faster than everything else.
Tick "grows with inflation" for rent (keeps real value). Untick for a level pension (fixed nominal, like the NPS annuity). Today's β‚Ή.
Enter the medical part of spending separately (keep the rest in Current expenses). Default healthcare inflation 10% β€” Indian medical costs rise ~10–14%/yr, far above general inflation.
FIRE target & assumptions
SWR presets:
NPS rules require β‰₯40% of the corpus to buy an annuity at 60 (mandatory; rest is a tax-free lump sum). The annuitised part is treated as level pension income, not freely-spendable corpus. Set to 0 to ignore.
Disclaimer: This is an educational planning tool, not financial advice. Return and inflation figures are editable estimates, not predictions. Your corpus is driven by the monthly contributions you enter per instrument (the tool does not compute tax or take-home). Life events & inheritance use today's β‚Ή inflated to the event year; real estate is treated as illiquid. All computation runs in your browser; no data leaves this page. Add ?selftest=1 to the URL to run the math self-tests in the console.