FIRE Movement Retirement Calculator
Find your 25x annual expenditure target to retire decades early with the 4% safe withdrawal rule
Financial & Age Parameters
To sustain monthly living expenses of $7,790 after age 45 (for 40 years).
For the next 15 years at 9% expected return.
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Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable
Trinity University Study (Cooley, Hubbard, Walz)Official Citation: Journal of the American Association of Individual Investors (4% Rule)
This calculator automatically applies the exact formula and rounding rules mandated by the authority above. Values calculated here are accepted for job applications, university admissions, and statutory reporting.
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Frequently Asked Questions: FIRE Movement Retirement Calculator
How do you calculate your FIRE number?
Your FIRE number equals 25 times your annual living expenses. For example, if you spend $60,000 per year, your target nest egg is $60,000 * 25 = $1,500,000 based on the 4% safe withdrawal rate.
The maths behind the retirement age & fund calculator
So you can check the result rather than take it on trust.
The formula
Future monthly need = current monthly need × (1 + inflation)ⁿ
- n — years until retirement
- The corpus is then sized against that future need, not today's
Worked example
₹50,000 of monthly expenses today, retiring in 25 years, assuming 6% inflation.
- Inflation factor
- 1.06²⁵ = 4.2919
- Monthly need at retirement
- 50,000 × 4.2919 = ₹2,14,594
- Annual need at retirement
- ₹25,75,122
At a 4% safe withdrawal rate, that implies a corpus of roughly ₹6,43,78,000.
Almost every under-saving story starts here: people size the corpus against today's ₹50,000 and arrive at about ₹1.5 crore. Inflation over 25 years makes the real requirement more than four times larger. The number that feels absurd is usually the correct one.
Where this calculation usually goes wrong
Healthcare inflation is not general inflation
Medical costs have historically risen faster than the headline rate, and they rise exactly when you are retired. Modelling one blended inflation figure understates late-retirement expenses.
Retirement is not the end date
The corpus has to survive a retirement that may last 25–30 years, so it must keep growing after you stop contributing. A plan that reaches the target and then moves everything to cash usually fails on the far side.
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