How much should I invest?

Work backwards from the age you want to be free.

+10%/yr

SIP step-up can cut the starting SIP you need by a third or more

Start with the savings rate

As a rough guide (starting from zero, ~5% real returns, 4% withdrawal rate):

●20% savings rate → ~37 years to FIRE
●35% → ~25 years
●50% → ~17 years
●65% → ~11 years

Then step it up

Raise your SIP with every raise. A 10% annual step-up lets you start much smaller and still hit the same target, because your future, higher salary does more of the work.

Where to put it

For long horizons, many FIRE investors in India use low-cost index funds for growth, EPF/PPF for stability, and NPS for tax efficiency. Keep 6–12 months of expenses in an emergency fund first. (This is education, not advice. Your mix depends on your risk tolerance.)

Try it on your numbers

Calculate my FIRE SIP →

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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.