When can you achieve Financial Independence and Retire Early? Calculate your FIRE number for Indian cities.
Your FIRE Number
₹2.06 Cr
₹60,000/mo × 12 ÷ 3.5%
Time to FIRE
13.4 years
5% there · saving ₹40,000/mo
5/100
Felix helps you build a personalised FIRE roadmap — optimising SIP, EPF, and investment allocation.
Download Richify — It's FreeFIRE stands for Financial Independence, Retire Early. It's a movement focused on saving aggressively (50-70% of income) and investing to build a corpus large enough to live off investment returns indefinitely. In India, FIRE is growing among tech professionals and high-earning millennials.
Your FIRE number = annual expenses ÷ safe withdrawal rate. At 3.5% withdrawal rate: if you spend ₹50,000/month, you need ~₹1.7 crore. At ₹1 lakh/month, you need ~₹3.4 crore. In expensive cities like Mumbai, the number is higher.
The 4% rule comes from US research with lower inflation. For India, where inflation has historically been 6-7%, most planners recommend 3-3.5% as safer. At 3.5%, a ₹3 crore portfolio yields ₹10.5 lakh/year (₹87,500/month).
Yes — particularly in IT and finance roles. Someone earning ₹20 lakh/year, saving 50%, investing at 12% returns can reach a ₹2-3 crore corpus in 15-18 years. Lower cost of living in Tier 2 cities makes the FIRE number more achievable.