Discover when you can achieve
Financial Independence and Retire Early.
⛰️
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Calculate Your Plan
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Your FIRE Results
On Track! 🎉
Retirement Age
41
years old
Time to Retirement
16 years
Fire Number
₹2.51 Cr
Your corpus goal
(25x annual expenses)
Projected Corpus
₹2.85 Cr
At age 41
Monthly Expenses
₹2.08 L
In today's value
(Adjusted for inflation)
Projected Portfolio Growth
Portfolio Value
┄ FIRE Number
✓ Great job! You're on track to
achieve FIRE before your goal.
♧
Savings Summary
Total Contributions
₹38.40 L
Total Returns
₹2.47 Cr
▣
Expense at FIRE
Annual Expenses (Future)
₹8.31 L
Monthly Expenses (Future)
₹69,300
♨
Savings Rate
Current Savings Rate
50%
Recommended
55%
⤢
Assumptions
Safe Withdrawal Rate
4%
What is FIRE?
FIRE stands for Financial Independence, Retire Early. It is a
financial planning approach focused on building enough wealth and
investments to cover your future living expenses without depending
entirely on active employment income. Your FIRE target depends on
factors such as your current investments, monthly expenses,
expected investment returns, inflation and desired retirement age.
This FIRE Calculator helps you estimate your required retirement
corpus and understand how your savings and investments can help you
reach financial independence.
ⓘ
This calculator is for educational purposes only.
Results are estimates and not financial advice.
Actual results may vary.
Saved Plans
Plans saved directly in this browser.
♡
No saved plans yet
Save your current FIRE plan and it will stay in this browser.
What are Saved Plans?
Saved Plans allows you to save your financial calculations directly
in your browser so you can return to them later without entering
all of your information again. You can save different FIRE, SIP,
Step-Up SIP and investment scenarios and compare them as your
financial situation changes. Your saved plans are stored locally
in your browser and do not require an account.
Portfolio Breakdown
Your current FIRE portfolio breakdown.
Current investments
—
Monthly investment
—
Expected return
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Understanding Your FIRE Breakdown
The FIRE Breakdown page gives you a detailed view of the numbers
behind your financial independence plan. It helps you understand
how your current investments, regular contributions, expected
returns and expenses contribute towards your retirement corpus.
Reviewing this breakdown can help you identify which parts of your
financial plan have the greatest impact on reaching your FIRE
target.
FIRE Goals
Your FIRE milestones.
Target corpus
—
Retirement age
—
Progress
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Why Set Financial Independence Goals?
Setting clear financial goals makes it easier to track your progress
towards financial independence. Your FIRE goals can include a target
retirement age, desired retirement corpus, investment milestones and
savings targets. Tracking these milestones regularly can help you
stay consistent with your investment strategy and make adjustments
when your income, expenses or financial priorities change.
SIP Calculator
Calculate the future value of regular monthly investments.
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Plan Your SIP
See how regular monthly investing can grow over time.
₹
%
Yr
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SIP Results
Invested Amount
₹0
Estimated Returns
₹0
Future Value
₹0
SIP results are estimates based on the return rate you enter. Actual market returns can vary.
What is a SIP?
A Systematic Investment Plan (SIP) is a simple way of investing a
fixed amount of money at regular intervals, usually every month,
into a mutual fund or other investment. Instead of investing a
large amount at once, SIP allows you to invest consistently over
a long period of time. The combination of regular investing and
compounding can help your wealth grow over time. Use this SIP
Calculator to estimate the future value of your monthly
investments based on your investment amount, investment duration
and expected rate of return.
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SIP with Annual Step-up
Increase your monthly SIP every year to accelerate compounding.
₹
%
%
Yr
◎
Step-up SIP Results
Invested Amount
₹0
Estimated Returns
₹0
Future Value
₹0
The SIP amount increases once every year by the selected step-up percentage.
What is a SIP Step-Up?
A SIP Step-Up, also known as a Step-Up SIP, allows you to increase
your monthly investment periodically as your income grows. For
example, you may start with a monthly SIP of ₹10,000 and increase
it by 10% every year. Increasing your investment gradually can
significantly increase your final investment corpus while keeping
your initial monthly contribution manageable. This SIP Step-Up
Calculator helps you estimate how increasing your SIP over time
can affect your total investment, estimated returns and final
wealth.
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Plan Your Lumpsum
Estimate how a one-time investment can compound over time.
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%
Yr
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Lumpsum Results
Invested Amount
₹0
Estimated Returns
₹0
Future Value
₹0
Lumpsum results use annual compounding based on the expected annual return entered above.
What is a Lumpsum Investment?
A lumpsum investment is a one-time investment where you invest a
larger amount of money at once instead of making regular monthly
contributions. The invested amount can then grow over time through
investment returns and compounding. The final value depends on the
initial investment, expected rate of return and investment period.
Use this Lumpsum Calculator to estimate the potential future value
of a one-time investment and understand how long-term compounding
can help grow your wealth.
ⓘ These calculators are for educational purposes only. Results are estimates and not financial advice.
Indian Tax Calculator
Compare Old Regime vs New Regime for AY 2026–27.
AY 2026–27
Income & deductions
Standard deduction
Old regime₹50,000
New regime₹75,000
Old Regime Tax
₹0Effective rate: 0%
New Regime Tax
₹0Effective rate: 0%
Recommendation
Enter your income to compare.
Tax breakdown
Item
Old Regime
New Regime
Normal slab-rate income for an individual for AY 2026–27.
Special-rate income such as certain capital gains and lottery winnings
is not included in this simplified calculator.
About the Indian Income Tax Calculator
The Indian Income Tax Calculator helps you estimate your income tax
liability and compare the Old Tax Regime with the New Tax Regime.
Enter your annual income and applicable deductions to see an
estimated tax amount under both regimes and identify which option
may result in lower tax based on the information provided. Tax
calculations can vary depending on the type of income, deductions,
exemptions, rebates, capital gains, surcharge and other individual
circumstances, so the result should be treated as an estimate and
not as professional tax advice.
Home Loan Calculator
Calculate your monthly EMI, total interest and total repayment for your home loan.
Home Loan Details
Enter your loan amount, interest rate and repayment
tenure to calculate your EMI.
₹50,00,000
₹
₹1 Lakh₹10 Crore
8.50%
%
1%30%
20 Years
Yr
1 Year40 Years
Monthly EMI
₹43,391
Estimated monthly payment
Principal Amount
₹50,00,000
Total Interest
₹54,13,840
Total Repayment
₹1,04,13,840
Loan Tenure
240 Months
Payment Breakdown
Principal
48.0%
Interest
52.0%
Yearly Amortization Schedule
Year
Opening Balance
Principal Paid
Interest Paid
Total Payment
Closing Balance
What is a Home Loan EMI?
A Home Loan EMI (Equated Monthly Instalment) is the fixed
monthly payment made towards repaying a home loan. Each EMI
consists of a principal component and an interest component.
With a standard reducing-balance home loan, the interest is
calculated on the outstanding loan balance, so the interest
component generally decreases as you repay the loan. Use this
Home Loan EMI Calculator to estimate your monthly EMI, total
interest, total repayment and yearly loan balance based on
your loan amount, interest rate and tenure.
Buy vs Rent Calculator
Compare buying a home with a loan against renting and
investing your savings over the long term.
Property & Loan
Enter the details of the home you are considering
buying and the corresponding rental property.
₹80,00,000
₹
20%
%
8.50%
%
20 Years
Yr
Buying Costs
6%
%
₹4,000
₹
6%
%
Renting
₹30,000
₹
6%
%
₹90,000
₹
Investment & Comparison
12%
%
15 Years
Yr
Financially Better Under These Assumptions
Buy
Buying creates higher projected net worth
over your selected period.
Buy Net Worth
₹0
Rent + Invest Net Worth
₹0
Difference
₹0
Projected advantage
Monthly EMI
₹0
Loan Amount
₹0
Property Value
₹0
Outstanding Loan
₹0
Total Rent Paid
₹0
Investment Corpus
₹0
Wealth Comparison
Projected net worth over time
Final Wealth Breakdown
Buying
50%
Renting + Investing
50%
Year-by-Year Comparison
Year
Home Value
Loan Balance
Home Equity
Rent
Rent Portfolio
Winner
What is a Buy vs Rent Calculator?
A Buy vs Rent Calculator helps compare the long-term
financial impact of purchasing a home versus renting a
similar property. Buying builds home equity as the loan is
repaid and the property appreciates, while renting can leave
more money available to invest. This calculator compares
both scenarios using your property price, down payment,
home-loan rate, rent, rent increases, property appreciation
and expected investment returns. The result is an estimate
of the projected financial position under the assumptions
you provide, rather than a guarantee of future returns.