🔥 FIRE Financial Calculator

What is this?

A Financial Independence, Retire Early (FIRE) calculator that helps you project your wealth over time. Compare up to 3 different scenarios side-by-side to see how changes in savings, returns, or expenses affect your retirement corpus.

How it calculates

SIP Phase: Yearly investments added to capital with step-up increase
SWP Phase: Yearly withdrawals from corpus (runs parallel, not after SIP)
Returns: Applied on remaining capital at year-end
Emergencies: One-time expenses adjusted for inflation at withdrawal year
Home Loan: EMI deducted yearly during loan tenure

💡 Important Note

All projected values shown are inflation-adjusted (real values). This means ₹10 Cr shown for Year 30 has the same purchasing power as ₹10 Cr today. The nominal (actual) value would be much higher.

Real Capital = Nominal Capital ÷ (1 + Inflation)^Years

📌 Scenario 1

Name

Capital & Returns

Initial Capital (₹)

Returns (%)

Inflation (%)

Projection Years

SIP

Yearly SIP (₹)

SIP Step-up (%)

SIP Duration (years)

SWP

Yearly SWP (₹)

SWP Step-up (%)

Home Loan

Yearly EMI (₹)

Loan Tenure (years)

Emergency Expenses

📌 Scenario 2

Name

Capital & Returns

Initial Capital (₹)

Returns (%)

Inflation (%)

Projection Years

SIP

Yearly SIP (₹)

SIP Step-up (%)

SIP Duration (years)

SWP

Yearly SWP (₹)

SWP Step-up (%)

Home Loan

Yearly EMI (₹)

Loan Tenure (years)

Emergency Expenses

📌 Scenario 3

Name

Capital & Returns

Initial Capital (₹)

Returns (%)

Inflation (%)

Projection Years

SIP

Yearly SIP (₹)

SIP Step-up (%)

SIP Duration (years)

SWP

Yearly SWP (₹)

SWP Step-up (%)

Home Loan

Yearly EMI (₹)

Loan Tenure (years)

Emergency Expenses

🔥 FIRE Financial Calculator

What is this?

How it calculates

💡 Important Note

📌 Scenario 1

📌 Scenario 2

📌 Scenario 3

📈 Real Capital Over Time (₹ Crores)

📊 Year-by-Year Comparison