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FIRE Planning Calculator

Plan your early retirement journey with precision and elegant simplicity.

⚙️ Inputs

POST-TAX RETURN IN RETIREMENT 7.88%
CURRENT ANNUAL EXPENSES ₹ 12,00,000

Frequently Asked Questions

? Why is tax included in retirement return?

In retirement, investment gains may be taxed. To stay conservative, this calculator uses post-tax return for corpus calculation and the schedule.

? Why do we use NPV instead of "Expense × Years"?

Because your money can continue earning returns during retirement. NPV discounts future expenses using your expected post-tax return, giving a more realistic corpus requirement.

? Why withdraw first and then earn return?

This matches a conservative and timing-correct approach: expenses are needed first (start of the year), and returns are earned on the remaining corpus.

How this model works (timing details):

  1. If you enter retirement age R, we assume you retire at end of R and your first withdrawal is at start of (R+1).
  2. We inflate your annual expense till the first withdrawal using inflation for (R - CurrentAge) years. Expenses continue to inflate during retirement.
  3. Required corpus at retirement is calculated as the NPV of yearly withdrawals at the start of (R+1), discounted at post-tax retirement return, with withdraw first then return convention.
  4. SIP is computed assuming you invest at the start of every month from the first month of age (CurrentAge+1) up to the last month of age R (i.e. (R - CurrentAge) × 12 deposits).