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Retirement Age Calculator
When can you actually afford to retire?
Enter values to see your result
Frequently asked questions
What is FIRE (Financial Independence Retire Early)?
A movement targeting 25× annual expenses as the retirement number. At that level, a 4% withdrawal rate historically sustains the portfolio indefinitely. Regular FIRE: retire at 40–50. Lean FIRE: lower expenses.
Should I use pre-tax or post-tax expenses?
Post-tax (what actually hits your bank). If your investments are tax-advantaged (PPF, EPF, equity LTCG below ₹1L), you're already accounting for tax. For taxable accounts, add expected retirement tax.
Why does small savings difference move the date so much?
Compounding. Saving an extra ₹10K/month for 20 years at 11% is ₹86L more. That can shift retirement forward 3–5 years at moderate expense levels.
What if expenses fall in retirement?
Commute, work clothes, and child education costs drop. But healthcare, hobbies, and travel often rise. A conservative assumption is expenses stay ~equal to pre-retirement in real terms.