The Ultimate Guide to FIRE in India (2026)
Financial Independence, Retire Early (FIRE) is not just about quitting your job; it is about gaining the freedom to make life choices without financial constraints. In the Indian context, achieving FIRE requires a robust plan that accounts for high inflation (typically 6-7%), rising education costs, and medical security.
Why Standard Calculators Fail
Most western FIRE calculators use the "4% Rule" (25x Corpus). In India, this is risky. Indian retirement planning must account for "Lumpy Expenses" like children's higher education (₹20 Lakhs+) and weddings (₹25 Lakhs+). This tool's Lifecycle Engine explicitly deducts these amounts from your compounding corpus at the exact future age, giving you a realistic picture.
The Role of Insurance Audit
You cannot retire if you are underinsured. A single critical illness can wipe out 50% of your savings. This calculator performs a real-time Insurance Gap Analysis. It checks if your Term Life Cover meets the "20x Income" benchmark and if your Health Cover is adequate (₹10L+). It then deducts the cost of buying this missing cover from your monthly savings capacity, ensuring your plan is "risk-proof".
Reverse Engineering Your Freedom
Instead of guessing, use the "Target Age" strategy mode. Enter your desired retirement age (e.g., 45), and the algorithm will tell you exactly how much SIP you need today. If the number is impossible based on your current salary, it will alert you immediately, helping you set realistic goals.