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Numbers · 3 min read
What is a FIRE number?
The corpus whose safe withdrawals cover your life. One formula, three inputs.
Expenses ÷ SWR
the whole formula
The formula
FIRE Number = Annual expenses after FIRE ÷ Safe withdrawal rate.
Worked example
Monthly spend ₹75,000 → ₹9,00,000 / year
÷ 4% → ₹2.25 Cr
÷ 3.5% → ₹2.57 Cr
÷ 3% → ₹3.00 Cr
What makes it more accurate
A bare multiple is a starting point. A good FIRE number also accounts for:
- ●Other income: rent, pension or annuity reduce what your corpus must pay.
- ●Taxes on withdrawals: capital gains and interest are taxed; gross up your need.
- ●Big future costs: a child's education or a wedding needs money on top.
- ●Healthcare, which inflates faster than everything else.
Today's rupees vs future rupees
₹2.5 crore today will need to be roughly ₹6 crore in 15 years at 6% inflation to buy the same life. Both are 'your FIRE number': one in today's money, one in the money of the year you get there.
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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.