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About this tool
Find the corpus that buys your freedom, the year you reach it, and whether you can already coast to it.
The FIRE Number Calculator turns your annual spending into a financial-independence target — annual expenses divided by your safe withdrawal rate, so 4% means 25 times a year's expenses — and then projects how long your current corpus and monthly investing take to reach it. Growth is modelled in real terms: it converts your nominal return and inflation into a real rate with (1 + return) ÷ (1 + inflation) − 1, so every figure on the page stays in today's rupees. It also computes your Coast FIRE number — the smaller balance that would grow into the full target by your chosen retirement age with no further contributions — and tells you whether you have already passed it.
Open FIRE Number Calculator on AltFTool — it loads instantly in your browser.
Under Your numbers enter Annual expenses (today), then pick a Safe withdrawal rate preset — 4% rule, 3.5% or 3% — or type a Custom rate, and add Current invested corpus and Monthly investment.
Set Expected return and Inflation, which are combined into the real rate the whole projection runs on, then set Current age and Coast to age for the coasting check plus Annual take-home income for the savings-rate insight.
Read Your FIRE number at that rate with its multiple of annual expenses, then Time to FIRE, FIRE age, Still to build and Real return used, the Coast number with its Surplus or Shortfall, and press Copy summary.
A 12% nominal return with 6% inflation becomes 5.66% real, so the timeline is not flattered by inflation the way a nominal-only projection is.
It discounts your FIRE number back from your chosen retirement age and gives a yes/no verdict plus the rupee shortfall, rather than leaving you to work out whether you can stop contributing.
Lean, Regular and Fat targets are derived at 0.7×, 1× and 1.5× your annual spending, each with its own timeline and the age you would reach it.
Your annual expenses divided by your safe withdrawal rate. At the 4% rule that is a 25× multiple, so ₹6 lakh of yearly spending gives a ₹1.5 crore target; at 3.5% the multiple is 28.6× and at 3% it is 33.3×.
Coasting means your existing corpus alone, left to compound at your real return until your retirement age, will reach your FIRE number without another rupee added. The tool computes that threshold as the FIRE number divided by (1 + real return) raised to the years remaining, then compares it against what you hold and reports the shortfall if you are not there yet.
Enormously — it is the single biggest lever. Starting from zero at a 5.66% real return and a 4% withdrawal rate, saving 10% of take-home takes about 47 years, 25% takes about 30, 50% takes about 16, and 75% takes about 7, because a higher rate raises contributions and lowers the target at the same time.
Because the projection ran its full 960-month limit — 80 years — without the corpus reaching the target. That normally means the monthly contribution is zero or very small relative to the target, or your inflation input is at or above your expected return, which makes the real rate zero or negative. These are informational projections on fixed assumptions; consult a licensed adviser before making retirement decisions.
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