FIRE Number Calculator
How much do you need to walk away? Set your target year, expenses, liabilities and LTCG to see the year-by-year path.
Inputs
Results
Your FIRE number₹1.91 Cr
Years to FIRE1 yrs
Projected post-tax wealth₹9.34 L
Shortfall (post-tax)₹1.81 Cr
SIP required for FIRE₹14.46 L /mo
⚠️ Increase SIP, reduce liabilities, or extend timeline.
Only the yellow input cells are editable in Excel — every other cell is locked, and formulas stay hidden.
Wealth trajectory
Year-by-year projection
| Year | Monthly SIP | Total invested | Future value | Total profit | Est. LTCG | Post-tax wealth | Real value |
|---|---|---|---|---|---|---|---|
| 2027 | ₹30,000 | ₹8.60 L | ₹9.44 L | ₹84.3 K | ₹10.5 K | ₹9.34 L | ₹8.81 L |
Retirement drawdown (age 31 → 85)
⚠️ Corpus depletes at age 60 (before 85)| Year | Age | Start balance | Withdrawal | Growth | End balance |
|---|---|---|---|---|---|
| 1991 | 32 | ₹9.34 L | ₹37.3 K | ₹62.7 K | ₹9.59 L |
| 1992 | 33 | ₹9.59 L | ₹39.6 K | ₹64.4 K | ₹9.84 L |
| 1993 | 34 | ₹9.84 L | ₹42.0 K | ₹65.9 K | ₹10.08 L |
| 1994 | 35 | ₹10.08 L | ₹44.5 K | ₹67.4 K | ₹10.31 L |
| 1995 | 36 | ₹10.31 L | ₹47.2 K | ₹68.9 K | ₹10.53 L |
| 1996 | 37 | ₹10.53 L | ₹50.0 K | ₹70.2 K | ₹10.73 L |
| 1997 | 38 | ₹10.73 L | ₹53.0 K | ₹71.4 K | ₹10.91 L |
| 1998 | 39 | ₹10.91 L | ₹56.2 K | ₹72.4 K | ₹11.07 L |
| 1999 | 40 | ₹11.07 L | ₹59.5 K | ₹73.4 K | ₹11.21 L |
| 2000 | 41 | ₹11.21 L | ₹63.1 K | ₹74.1 K | ₹11.32 L |
| 2001 | 42 | ₹11.32 L | ₹66.9 K | ₹74.6 K | ₹11.40 L |
| 2002 | 43 | ₹11.40 L | ₹70.9 K | ₹74.8 K | ₹11.44 L |
| 2003 | 44 | ₹11.44 L | ₹75.2 K | ₹74.8 K | ₹11.44 L |
| 2004 | 45 | ₹11.44 L | ₹79.7 K | ₹74.5 K | ₹11.38 L |
| 2005 | 46 | ₹11.38 L | ₹84.4 K | ₹73.8 K | ₹11.28 L |
| 2006 | 47 | ₹11.28 L | ₹89.5 K | ₹72.7 K | ₹11.11 L |
| 2007 | 48 | ₹11.11 L | ₹94.9 K | ₹71.1 K | ₹10.87 L |
| 2008 | 49 | ₹10.87 L | ₹1.01 L | ₹69.1 K | ₹10.55 L |
| 2009 | 50 | ₹10.55 L | ₹1.07 L | ₹66.4 K | ₹10.15 L |
| 2010 | 51 | ₹10.15 L | ₹1.13 L | ₹63.2 K | ₹9.65 L |
| 2011 | 52 | ₹9.65 L | ₹1.20 L | ₹59.2 K | ₹9.05 L |
| 2012 | 53 | ₹9.05 L | ₹1.27 L | ₹54.5 K | ₹8.32 L |
| 2013 | 54 | ₹8.32 L | ₹1.35 L | ₹48.8 K | ₹7.47 L |
| 2014 | 55 | ₹7.47 L | ₹1.43 L | ₹42.3 K | ₹6.46 L |
| 2015 | 56 | ₹6.46 L | ₹1.51 L | ₹34.6 K | ₹5.30 L |
| 2016 | 57 | ₹5.30 L | ₹1.60 L | ₹25.9 K | ₹3.95 L |
| 2017 | 58 | ₹3.95 L | ₹1.70 L | ₹15.8 K | ₹2.41 L |
| 2018 | 59 | ₹2.41 L | ₹1.80 L | ₹4.3 K | ₹65.2 K |
| 2019 | 60 | ₹65.2 K | ₹1.91 L | ₹0 | Depleted |
| 2020 | 61 | ₹0 | ₹2.02 L | ₹0 | Depleted |
| 2021 | 62 | ₹0 | ₹2.15 L | ₹0 | Depleted |
| 2022 | 63 | ₹0 | ₹2.27 L | ₹0 | Depleted |
| 2023 | 64 | ₹0 | ₹2.41 L | ₹0 | Depleted |
| 2024 | 65 | ₹0 | ₹2.55 L | ₹0 | Depleted |
| 2025 | 66 | ₹0 | ₹2.71 L | ₹0 | Depleted |
| 2026 | 67 | ₹0 | ₹2.87 L | ₹0 | Depleted |
| 2027 | 68 | ₹0 | ₹3.04 L | ₹0 | Depleted |
| 2028 | 69 | ₹0 | ₹3.23 L | ₹0 | Depleted |
| 2029 | 70 | ₹0 | ₹3.42 L | ₹0 | Depleted |
| 2030 | 71 | ₹0 | ₹3.62 L | ₹0 | Depleted |
| 2031 | 72 | ₹0 | ₹3.84 L | ₹0 | Depleted |
| 2032 | 73 | ₹0 | ₹4.07 L | ₹0 | Depleted |
| 2033 | 74 | ₹0 | ₹4.32 L | ₹0 | Depleted |
| 2034 | 75 | ₹0 | ₹4.58 L | ₹0 | Depleted |
| 2035 | 76 | ₹0 | ₹4.85 L | ₹0 | Depleted |
| 2036 | 77 | ₹0 | ₹5.14 L | ₹0 | Depleted |
| 2037 | 78 | ₹0 | ₹5.45 L | ₹0 | Depleted |
| 2038 | 79 | ₹0 | ₹5.78 L | ₹0 | Depleted |
| 2039 | 80 | ₹0 | ₹6.12 L | ₹0 | Depleted |
| 2040 | 81 | ₹0 | ₹6.49 L | ₹0 | Depleted |
| 2041 | 82 | ₹0 | ₹6.88 L | ₹0 | Depleted |
| 2042 | 83 | ₹0 | ₹7.29 L | ₹0 | Depleted |
| 2043 | 84 | ₹0 | ₹7.73 L | ₹0 | Depleted |
| 2044 | 85 | ₹0 | ₹8.19 L | ₹0 | Depleted |