Calculator
FIRE planner
One plan, five buckets. Stack your SIP, EPF, PPF, NPS and SSY against the real FIRE number — then check which tax regime funds it faster.
Target
Monthly flows
Tax regime → investible surplus
Funded 91.8% — gap ₹47.44 L
- Projected in 20y (₹1.55 Cr put in)₹5.30 Cr
- FIRE target (4% rule on ₹23.09 L/yr)₹5.77 Cr
- Extra SIP to close gap₹4,748/mo
Hover a segment for value + share.
Hover any bar for the yearly breakup.
EPF 8.25% · PPF 7.1% · SSY 8.2% · NPS assumed 10% market-linked. NPS exit eased Dec 2025 (up to 80% lump sum; only 60% tax-free); SSY held as cash after 21y. Projection only — returns vary, verify with a CA.
Regime check — salaried
| Head | New | Old |
|---|---|---|
| Std deduction | ₹75,000 | ₹50,000 |
| Taxable | ₹14.25 L | ₹11.00 L |
| Total tax (6.5% / 9.88%) | ₹97,500 ✓ | ₹1,48,200 |
| You pay (new) | ₹97,500 · in hand ₹14.03 L | |
Your new regime saves ₹50,700/yr ≈ ₹4,225/mo — SIP it at 12% for 20y → ₹41.80 L extra towards FIRE.
Zero-tax cap on salary: ₹12.75L (new) vs ₹5.5L + deductions (old). Old-regime FY2025-26: 5%/20%/30% slabs, 87A to ₹5L. Excludes surcharge and special-rate income.
What this calculator answers
The planner adds up equity SIP, EPF, PPF, NPS, SSY and any existing corpus, then compares the total with the corpus you need at your chosen withdrawal rate. With ₹60,000 a month of expenses today, 20 years away and a 4% withdrawal rate, the target is about ₹10.34 crore in future rupees.
How it is calculated
Each bucket is projected to the target year with its own method — SIP monthly compounding, EPF monthly compounding, PPF annual compounding, NPS monthly compounding split into annuity and lump sum, SSY's 15-year deposit and 21-year maturity, and simple growth on the existing corpus. Expenses are inflated at 6% and the corpus needed is annual expenses ÷ withdrawal rate (4% = 25×).
The withdrawal rate defaults to 4%, SSY past its 21-year maturity is held as cash rather than reinvested, and the NPS corpus is counted in full even though at least 40% must buy an annuity.
Common questions
Why is the corpus needed 25× my annual expenses?
A 4% withdrawal rate implies 100 ÷ 4 = 25 times the annual spend. Lowering the withdrawal rate raises the target, and the slider lets you test 3% or 5%.
Is all of the projected corpus spendable?
Not entirely. The NPS bucket is counted in full even though at least 40% must buy an annuity, and SSY stops compounding after its 21-year maturity in this model, so both are flagged in the plan.
What if the projection falls short?
The planner shows the gap against the target and the extra monthly SIP that would close it at your equity return, so you can see the cost of a later start or a lower savings rate.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.