FIRE
Financial independence, retire early
Saving and investing enough that your investments can pay for your living costs for good.
The FIRE number is the corpus whose safe yearly withdrawal covers your spending: yearly expenses ÷ withdrawal rate. A high savings rate gets you there far sooner than high returns do.
Lean FIRE covers a basic lifestyle; fat FIRE a comfortable one with room to spare.
Example
Spending ₹10 lakh a year at a 3.5% withdrawal rate: a FIRE number of about ₹2.86 crore in today's money.
FIRE Calculator
Your financial independence number and the age you reach it, for lean, regular and fat FIRE.
Related terms
Rules as of tax year 2026-27. Written by the Welthr team; last reviewed on . Not financial advice.