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

Years to FIRE20 yearsMonthly expense today₹60,000Inflation (p.a.)6%Safe withdrawal rate4% = 25×

Monthly flows

Equity SIP / month₹25,000SIP return (p.a.)12%EPF / month (you + employer)₹15,000PPF / year₹1,50,000NPS / month₹10,000SSY / year (0 = skip)₹0Existing corpus₹5,00,000

Tax regime → investible surplus

Gross annual income₹15,00,000

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.