The US FIRE rule says save 25x your expenses. In India, it's more complex due to higher inflation (6-7% vs 2-3%).
Indian FIRE Numbers
| Type | Amount Needed | Lifestyle |
|---|---|---|
| Lean FIRE | Rs.2-3 Cr | Frugal, Tier-2 city |
| Regular FIRE | Rs.3-6 Cr | Comfortable, metro |
| Fat FIRE | Rs.6-15 Cr | Luxurious |
| Barista FIRE | Rs.1.5-2.5 Cr | Part-time work supplement |
How Long Will It Take?
Assuming 12% annual returns (Nifty historical avg):
| Monthly SIP | Time to Rs.3 Cr |
|---|---|
| Rs.20,000 | 27 years |
| Rs.50,000 | 18 years |
| Rs.1,00,000 | 13 years |
| Rs.2,00,000 | 9 years |
Free FIRE Calculator India
Includes Indian inflation, EPF/NPS integration, rental income, and tax on withdrawals.
Originally published at GlobalInfoWiki
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