🔥 FIRE Cheat Codes
- 🧮 FIRE = Annual Expenses ÷ Withdrawal Rate
- 📉 4% rule = classic retirement math
- 💸 Spend less → retire faster
- 📈 SIP + patience = freedom
- ⚠️ Inflation is the real villain
🔥 FIRE Number Calculator
Retire early, live freely 😌
🔥 What is this FIRE Calculator?
This FIRE Number Calculator helps you figure out how much money you need to retire early and live off your investments. FIRE stands for Financial Independence, Retire Early — basically when your money works so you don’t have to (unless you want to 😌).
You enter your monthly expenses, and the calculator estimates the total investment amount (called your FIRE number) needed to sustain your lifestyle long-term without a regular job.
🧠 Key Terms (Explained Like a Friend)
💸 Monthly Expenses:
Your real monthly lifestyle cost — rent, food, travel, subscriptions, fun money.
If you underestimate this, FIRE will humble you later 😭
📈 Safe Withdrawal Rate (SWR):
This is the percentage of your savings you can withdraw every year without running out of
money. The popular 4% rule means ₹1 crore can safely give you about
₹4 lakh per year.
🎯 FIRE Number:
The total amount you need invested so your expenses are covered by returns, not salary.
Once you hit this, work becomes optional — not mandatory 😎
TL;DR — Spend smart, invest consistently, and let compounding do its thing 💸📈