Select the variant that matches your retirement philosophy, set your currency, and define your timeline. Every number that follows derives from these choices.
INR uses Cr / L notation · other currencies use M / K · return rates are market-agnostic
William Bengen (1994) studied every 30-year US retirement from 1926–1976 and found 4% never depleted a 50/50 portfolio. The Trinity Study (1998) confirmed this. For India, with ~6–7% structural inflation (vs US 3%), most practitioners recommend 3–3.5% SWR for 30–40 year retirements. The longer your money must last, the lower the safe rate — and the larger the corpus multiplier.
Enter what you have today across every asset class. Each grows at its own rate between now and retirement — this is your compounding head start.
How you live in retirement sets your corpus. Be honest — but also explore the geo-arbitrage opportunity and the "zero income" assumption that calculators silently make.
Large one-time expenses kept separate from your FIRE number. Each is inflation-adjusted to its target year at 6% p.a. Delete any that don't apply; add your own.
Your FIRE corpus is designed to fund a steady monthly draw for decades via the SWR rule. One-time lumps (education, relocation, wedding) don't fit this model — if lumped in, they inflate the multiplier incorrectly. Keeping them separate lets each be planned with a timeline-appropriate investment vehicle.
Built on the Safe Withdrawal Rate methodology, Harold Evensky's 3-Bucket strategy, and the 4-regulator framework. Revisit every five years — life changes, so should the plan.