How does inflation affect FIRE?

The silent tax on your freedom, and why it doubles your number every 12 years.

12 years

for prices to double at 6% inflation

The rule of 72

Divide 72 by the inflation rate to see how long prices take to double. At 6%: 12 years. At 7%: about 10.

What ₹75,000/month becomes

In 10 years: ≈ ₹1.34L

In 20 years: ≈ ₹2.4L

In 30 years: ≈ ₹4.3L

Where it bites

●Before FIRE: your target keeps moving up.
●After FIRE: withdrawals grow every year while your portfolio may not.
●Healthcare and education often inflate faster than the headline number.

What helps

Equity exposure (historically the best long-run inflation beater), a lower withdrawal rate, and stepping up your SIP every year so savings keep pace.

Try it on your numbers

Stress-test high inflation →

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Estimates, not guarantees. Projections assume steady average returns and inflation; real markets are bumpy, and returns are not guaranteed. This is an educational tool, not investment, tax or financial advice. See our methodology, assumptions & limitations · Last updated 25 October 2026.