Savings Rate & FIRE Calculator
Your savings rate — the share of income you keep and invest — is the strongest predictor of how soon you can stop needing a salary. It matters far more than which fund you pick.
This calculator shows your rate, sets a financial-independence target of 25 times your annual expenses (the 4% rule), and estimates how many years of investing at your current pace it takes to get there.
Saving 60,000 a month at 10%, you reach 25× annual expenses (18,000,000) in about 11.9 years.
How it works
- 01Savings rate = (income − expenses) ÷ income. The donut shows the split between what you spend and what you save.
- 02The FIRE target is 25× your annual expenses — the corpus a 4% withdrawal could sustain.
- 03The calculator grows your current savings plus each month's contribution at your expected return until it reaches the target.
Frequently asked
Why 25 times expenses?+
It comes from the 4% rule: withdrawing 4% of a corpus a year has historically lasted about 30 years. 25× is simply 1 ÷ 4%. In higher-inflation markets a larger multiple (28–33×) is safer.
What raises the savings rate fastest?+
Cutting a large recurring expense beats trimming many small ones, and raising income while holding expenses flat is the strongest lever of all — every extra rupee earned but not spent goes straight to the rate.