How soon can you stop working for money?
Find your FIRE number and discover the age at which work can become optional.
Takes 2 minutes • Free • No signup required
Try it: drag the sliders
Assumes ₹8L already invested, 12% returns, 6% inflation, 3.5% withdrawal rate.
Don't retire.
Make work optional.
Financial independence isn't about stopping. It's about choosing the project, the city, the hours and the people. Your FIRE number is the price of that choice. Let's find it.
Why make work optional? →Not a calculator. A journey.
From “someday” to a date.
Answer 10 quick questions
Age, income, what life costs, what you've built. Sliders, not spreadsheets.
Get your Freedom Age
The age work becomes optional, plus your FIRE number and progress.
Play “What if?”
Invest more, spend less, take a raise. Watch your Freedom Age move.
Stress-test it
Crashes, inflation, a career break. Honest, not just optimistic.
Find your FIRE type
Lean, Coast, Regular, Fat or Barista, matched to your numbers.
Share your FIRE Wrapped
Your journey as a story and a card made for sharing.
What if…?
Play with your future.
Example results. Yours update live from your numbers.
FIRE stress test
What if markets crash?
Most calculators show one rosy line. We run your plan through a crash at the worst moment, high inflation, low returns, a career break and higher costs, then tell you honestly if it survives.
Find your flavour
What type of FIRE are you?
Five ways to make work optional. Your results show the freedom age for each, and which one fits your numbers.
🌱
Lean FIRE
Minimal life, maximum freedom.
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Coast FIRE
Invest early, then let compounding coast.
🔥
Regular FIRE
Your life as it is, minus the job.
💎
Fat FIRE
Freedom with upgrades.
☕
Barista FIRE
Quit the grind, keep a gig.
🧪 FIRE Lab
Every FIRE question, answered.
🇮🇳 India-first
Built for Indian money.
Not a US calculator in rupees. Your real assets, Indian inflation, medical costs, taxes and the big-ticket goals that matter here.
🌍 Global FIRE
Earn there. Be free here.
Earning in Dubai and dreaming of Goa? Compare your FIRE number and freedom age across countries.
📚 Learn FIRE
Practical, not academic.
🔥
What is FIRE?
Financial Independence, Retire Early. Or better: make work optional.
🎯
What is a FIRE number?
The corpus whose safe withdrawals cover your life. One formula, three inputs.
🏄
What is Coast FIRE?
Invest hard early, then stop saving. Compounding finishes the job.
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What is a safe withdrawal rate?
The 4% rule, why it's American, and why Indian FIRE plans often use 3–3.5%.
What our users say
“
I always knew I wanted to retire early, but had no idea what number to aim for. The FIRE calculator gave me a clear target and a plan to get there.
Rohit Sharma
Software Engineer, Bengaluru
🧮
Open methodology
Every formula and assumption is published. Change any of them.
🔒
Your numbers stay yours
Calculations run in your browser. No signup needed.
⚖️
Honest projections
Estimates, not promises, and stress-tested. Updated 25 October 2026.
Let's find out when you can become financially independent.
Calculate my FIRE number →Want a second opinion? Talk to an expert