How we calculate

Annual expenses after FIRE = (monthly lifestyle spend + healthcare − rental/pension income) × 12, then divided by (1 − tax rate) so the after-tax amount covers your costs. Lifestyle and other income grow with inflation; healthcare grows 3 points faster.

Reserve: each big expense you add (education, wedding, home) is inflated to the year it's due, then discounted back at your post-FIRE return to the age you'd stop working.

We show the FIRE Number in today's rupees and in the rupees of your freedom year. The progress bar compares your corpus with the today's-rupees figure, so it doesn't move with inflation.

We project your corpus year by year from today:

Your SIP rises by your step-up each year. Your Freedom Age is the first age at which the projected corpus is at least the FIRE Number for that age. Ages are whole years.

Savings rate = monthly investments ÷ monthly take-home income. Years to freedom = Freedom Age − your age.

From your freedom age to your chosen life expectancy we simulate withdrawals each year:

If the balance falls below zero, that age is reported as when the money runs out.

Each scenario re-runs the full projection with one change. A raise is assumed to be invested in full; cutting expenses lowers spending now and after FIRE and invests the difference. “Work longer” reports the larger corpus and the extra monthly lifestyle it can fund at the same withdrawal rate.

• ☀️ Normal: Your assumptions, as entered.
• 📉 Poor first 5 years: Markets fall 25% in your first year of freedom, then crawl at 3% for four years.
• 🌡️ High inflation: Inflation runs 2 points higher than you assumed, for good.
• 🐢 Lower returns: Every year returns 2 points less than you assumed.
• 🧳 Career break: A 2-year break starting in 3 years: no investing, ₹40K/month drawn to live.
• 🛒 Higher expenses: Life after FIRE costs 25% more than you planned.
• 🌪️ Perfect storm: Crash at the start, +1% inflation, −1% returns and 10% higher costs, all at once.

For each scenario we show the new Freedom Age and whether money lasts if you stop at your normal Freedom Age. When it doesn't, we search for the earliest age at which stopping would survive the scenario.

• Lean FIRE: 70% of your planned spend.
• Regular FIRE: your plan as entered.
• Fat FIRE: 1.75× your planned spend.
• Barista FIRE: a side income covering 40% of your costs after you leave full-time work.
• Coast FIRE: the corpus that, with no more investing, grows into your FIRE Number by 60. The age shown is when you could stop investing.

The “best fit” is a simple rule based on your planned spend and whether you reach your target age.

Global FIRE uses indicative country assumptions (reviewed October 2026): India: ₹1/INR, 6% inflation, 1× India cost of living; UAE: ₹24/AED, 3% inflation, 2.6× India cost of living; Singapore: ₹67/SGD, 2.5% inflation, 3.4× India cost of living; USA: ₹88/USD, 3% inflation, 3.3× India cost of living; UK: ₹117/GBP, 3% inflation, 3× India cost of living. All are editable in the tool and are not live market data.

• Returns and inflation are smooth averages (except in the stress test). Real markets are volatile.
• Taxes are a single effective rate on withdrawals. We don't model slabs, LTCG exemptions or regime choice.
• Lock-ins aren't modelled: EPF, PPF, NPS and gratuity are treated as if available when you need them. NPS annuity rules may require part of the corpus to buy an annuity.
• Real estate and ESOP values are treated as investable only if you include them; illiquidity and concentration risk are not modelled.
• Ages are in whole years, and contributions are assumed to be made monthly at the start of each month.
• Global FIRE does not model future currency movements or cross-border tax treaties.
• All calculations run in your browser. Your numbers are stored only on your device unless you create an account.

• Bengen, W. P. (1994), “Determining Withdrawal Rates Using Historical Data”, Journal of Financial Planning.
• Cooley, Hubbard & Walz (1998), “Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable” (the “Trinity study”).
• Ministry of Statistics & Programme Implementation (MoSPI): Consumer Price Index releases, for long-run Indian inflation.
• Reserve Bank of India: Handbook of Statistics on the Indian Economy.
• NSE & BSE index histories for long-run Indian equity returns.